Date Received: 2021-01-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover Bank did not adhere to my requested invoice/remedies as they have violated me under the Fair Debt Collection Practices and Truth in Lending. I have resent documentation giving them an opportunity to cure this invoice yet again. I am a federally protected consumer and Discover Bank has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review the attached documentation.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: Discover Financial indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Getting the loan
Subissue:
Consumer Complaint: 1. I received an offer for a personal loan from Discover via email on XX/XX/XXXX. It read " Congratulations XXX. Because you've successfully paid off a previous Discover personal loan, you're eligible for this special opportunity to apply for a new loan up to {$35000.00}. '' Personal Invitation ID # XXXX ...
2. Same message as above on XX/XX/XXXX via an email. XXXX XXXX ID # XXXX .... Offer expiration listed at XX/XX/XXXX.
3. I also received mail offers from Discover during these times.
4. Given the bombardment, my strong credit profile ( >815 ), high income and my desire for a purchase, I decided to check my rate.
5. I checked my rate on XX/XX/XXXX based on the Personal Invitation ID #. I was offered decent rates for {$35000.00}.
6. I received an email on XXXX PST on XX/XX/XXXX stating : " Thank you for your recent interest in a Discover Personal Loan - we're interested in you too! Now that you've seen the rate, you can continue the process by clicking here. ... ''. Application Reference ID : XXXX 7. Email from Discover Personal Loans at XXXX on XX/XX/XXXX stating " Congratulations, XXXX! Lock in your $ XXXX personal loan by XX/XX/XXXX ''.
8. Additional email from Discover at XXXX on XX/XX/XXXX, stating " We appreciate your business. XXXX, as a valued, previous Discover Personal Loans customer, we want to show our appreciation by extending an exclusive invitation to apply for a new loan. Get up to $ XXXX. '' Offer expiration XX/XX/XXXX.
9. On XX/XX/XXXX I decided to move forward with a Hard Inquiry. Subsequently, I received an email from Discover Bank with subject " Discover Loan Application Receipt Confirmation '' at XXXX on XX/XX/XXXX stating : " Thank you for your recent application for a Discover Personal Loan. Your online submission was successful. We have good news for you! Based on the information you provided you may be approved for a loan pending a review ... ''. Application reference ID : XXXX 10. From that moment on, I received 4 additional emails from Discover Bank from XX/XX/XXXX to XX/XX/XXXX with subject lines " Discover Personal Loan - Next steps ''. Dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The emails were stating ( and that's an important piece of information ) : " You're almost finished with the loan application process! We need to obtain the disbursement details of where you would like us to send the proceeds of your loan. We can send funds to you or directly to your creditors in as little as one business day after you accept the loan. For your convenience, you can visit our online portal to provide your disbursement details by clicking
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover card has billed me XXXX dollars in XX/XX/XXXX. My limit was XXXX. They said the reason why it went to high is due to the return of payments sent to Discover from a bank. The interest running XXXX dollars in XX/XX/XXXX. They requier a arbitration, which i do not know how to go about that. I talked with them on Friday XX/XX/XXXX about the mess of amount but got no wheres. Right now as of XX/XX/XXXX due to interest the total is XXXX. From XX/XX/XXXX to XX/XX/XXXX there was not spent XXXX dollars spent on my card. They want me to pay the whole amount. I know by all my statements that the amount is wrong. I want to sue Discover.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
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 Opened XX/XX/2014 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: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The information that is being reported on my credit report is not accurate. Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. ** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XX/XX/XXXXACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A