Date Received: 2021-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: This is from CFPB case number XXXX XX/XX/2021 Discover - Executive Office Customer Advocacy Per the letter received from Discover that clearly does not address any of my concerns was an epic fail and disappointment. The letter indicated me speaking to reps in the in the customer protection services department. On each call I gathered information and indicated my concerns with the Discover process. On either calls the reps advised they were notating my concerns, and would forward them to the Executive offices which I never heard from until I contacted the CFPB. My concerns are simple.. Why do you need every page of my tax return to validate income? Why would you use XXXX, a company which has proven reputation that has been recorded having a LARGE breach that had the consumers information compromised. In addition to that the algorithm that XXXX uses and how they are collecting information. How is that information being used beyond the alleged verification. Discover is using XXXX as a third party and can not vouch for what is happening with my information once given. YES, I am aware that certain information is already provided to credit bureaus monthly. However, my children and additional assets that I may not want considered is listed on my tax return. NOT limited to their social security numbers, dates of birth, & colleges. I cooperated with the first request of verification of my SSN which required me sending in photo ID and my social security card also completed by XXXX through the social security administration. Is this a form of discrimination based on race, gender, and or employment status ; full time vs self employment? " Card issuers need income information to offer an increase in your credit limit, under the Credit CARD Act 's ability to pay rule. You can choose to skip questions by your card issuer about your income, but that may affect offers to increase your credit line. '' To be clear yes I elected to close the card because had I did not oblige your request. DISCOVER would have closed my card and that would have HURT my credit rating " Closed by card issuer '', in addition it is bad enough that once the account is closed you loose the payment history that was EXCEPTIONAL even if I close it myself. DISCOVER has adopted this policy and has not considered what it would do to the consumers and their credit rating. Again- XXXX XXXX I appreciate your attempt to respond as required by the CFPB however the questions were left unanswered and there are forums regarding the Discover practices and many concerns because personal information is not treated with care and concern. Although customer surveys state Discover has great customer service, survey those consumer accounts that were never late, and were given only 2 options. Expose all your information or we will close your account by X DATE & X TIME.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-02-19
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: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 90038
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 90038
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a charge post to my checking account that I did not recognize, so I called my bank and reported the charge as possibly fraudulent. After investigating the charge, they said that they had verified my information with the company and stated that the charge was valid. I called the company and they said that they had already returned the charge for the payment ( I'm not sure how this charge initially went through ). After verifying that the charge had been reversed, I spoke with my bank and explained the situation. They made a note on my account and that took care of the issue- the charge was reversed and there were no further fraudulent charges. However, yesterday, I checked my email and received a notice that my bank ( Discover ) had changed something about my checking account. I called them immediately and they said they did not know why, but that my bank account had been closed and that the decision was not reversible. I have been a customer for several years with them and all of my payments are setup to be deposited and all my bills are setup to be withdrawn from this account. A paycheck that I have been depending on for food and paying my bills was set to deposit yesterday, but Discover claims they never received the deposit, yet, it shows as going through and the company that sent the deposit stated that the deposit was made. Now I am without any way to buy food for my family and do not even have a way to get gas money to get to work. I am in a desperate situation financially and absolutely NEEDED that money in order to be able to feed my family, and Discover suddenly closed my account with no warning and stated it would be 60 days before they could issue me a check in the amount of my final balance. If this wasn't enough, I receive Social Security for my daughter and the payments are deposited in my Discover account. The Social Security office states that you need to change your bank account information two months in advance to make sure that they have time to process the information- yet I had no notice or warning at all and am now praying that these payments will be updated in time. My tax return and stimulus payments are also set to deposit into this account and even after spending hours on the phone waiting to speak with someone at each institution I have attached to Discover bank, there is no way to update my account information everywhere within the next two weeks, which is when the next deposit is setup to go through. I am now completely without any money or any way to buy food or pay for my bills that are due next week, all because Discover decided to close my bank account without any reason or notice at all. I have no idea what to do and do not know how we are going to make it through the next few days or weeks until I can figure out how to somehow get access to my money before the 60-day time period is up. I have used Discover exclusively for all my banking purposes for years, which made this situation even more devastating. Since they were my only bank account, all of my income and bills are setup through this account- I have no way to get paid until the paycheck gets returned and can be reissued and DiscoveXXXX does not even have a reason for why they did this. My family is in a desperate situation currently because COVID drastically reduced the work available for me, and we have been living paycheck to paycheck for many months. Despite this, I have not been late on any bills throughout this difficult time because I always make sure to budget very carefully. Now, because of Discover closing my accounts without any notice, I don't know how my family is going to make it through the next few weeks while I try to pick up the pieces from this disaster.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently was approved from a discover it card. I received the card on the XXXX of XXXX. I activated the card XX/XX/XXXX and tried to use the card on my XXXX play account for a sum of {$7.00}. They denied my purchase and stated possible fraud and to give them a call. I called discover and went a specialty team member and loss prevention. They stated my phone number which has been my phone number for awhile can not be used to verify me and do I have another number. Then stated they can not help me and to call back. I called back over five times and its the same run around. They verified me using my same number when I created the account and now they won't verify me to use the account
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A