Date Received: 2021-01-19
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
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: Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX balance or be deleted from my credit in its entirety. Please see the attached 1099C.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
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. On XXXX XXXX, 2020, DISCOVER HOME LOANS add a hard inquiry on my credit reports. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... Again -- No need for Company to respond.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened this account in 2017. I have only been late with payment once in all that time ; I had payments set up to be automatically withdrawn from my checking account. On XX/XX/XXXX {$270.00} was withdrawn from my checking account. XXXX has posted the payment but is not allowing me to use the available line of credit stating, " We are waiting 10 business days to be certain the payment clears. '' They state this is a " random '' audit. Now I can't use the card to pay bills automatically. The minimum amount due was {$35.00}. I have since changed automatic withdrawal and removed my banking information from the account as this is an unfair practice. I can't pay the bills I intended to use the card for and the money is no longer in my bank account either.
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
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: I am disputing the amount on my statement dated XXXX because the credits that i received from XXXX were added back to my account as purchases.The first time that this happened was in XXXX. The amount was {$10.00}, not only was it added back it was done twice. I called Discover on XXXX XXXX and spoke to XXXX. She told me that there are times when they mistake a credit for a purchase. I stated that it was added twice, she had no answer for this. The second time it happened was XXXX, XXXXI received a credit from XXXX in the amount of {$45.00} and it was added back as a purchase. I called Discover and spoke to XXXX an Account Manager. He was very offensive, and refused to listen to what is right there for naked eye to see. I have copies of the emails sent to me from XXXX confirming the credits. I tried to add them as an attachment but was unsuccessful. I will be glad to send them if you so request. Thank you my email is XXXX XXXX
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Re : Discover Credit Card Payment Protection Program Fee. I have had a Discover credit card since the year XXXX. My Discover Card has been my primary method of paying expenses since that time. On XX/XX/XXXX I viewed my statement for XX/XX/XXXX. In that statement, I found a fee called " DISCOVERPAYMENT PROTECTION '' for {$8.00}. I did not recognize this transaction, so I looked up my previous statements. In the previous statements I also noticed this fee, but in different amounts each month. On XX/XX/XXXX, I contacted Discover by phone and spoke with an agent, " XXXX. '' XXXX informed me that I have been enrolled in the Discover Payment Protection Program since XXXX when I opened the Discover credit card. XXXX stated that the program charges me a certain amount per {$100.00} that I charge on my Discover card. I informed XXXX that I have never enrolled in such a program, and XXXX told me that I must have signed up for it when I opened my credit card. XXXX informed me that the Payment Protection Program provides relief for individuals who are unemployed or in financial strain from interest fees and other things. Frankly it was still unclear to me what the program does based on XXXX 's explanation. I demanded a refund from XXXX for every Payment Protection Program fee since XXXX, but XXXX refused, stating that he could only refund the last 6 months. XXXX told me that he would at least cancel my enrollment in the program. I asked to speak to a supervisor but was directed to the voicemail of Supervisor " XXXX. '' After my call with XXXX, I entered the Discover website and reviewed all the statements that were available. The only statements that were available were for the last 7 years, since XXXX. I calculated all of the Payment Protection Program fees Discover charged me since XXXX, and it amounted to {$910.00}. I was unable to to include the fees charged since XXXX, because statements beyond 7 years were not available to me. On the Discover site, I was able to search for the program and found that I was still enrolled in the payment protection program, despite XXXX telling me I was unenrolled. There was no way for me to unenroll from it on my own. Supervisor, XXXX, did not immediately respond to my message, so the following day, I called the company again, on XX/XX/XXXX, and this time made direct contact with XXXX. I asked XXXX for a refund of all the fees paid into the Discover Payment Protection Program, and XXXX informed me that he would not provide a refund for the program fees, except for fees paid in the last 6 months. I also asked XXXX for my statements from XXXX to XXXX, and he stated that they were not available. I informed XXXX that the Discover site still indicated I was enrolled in the program, and XXXX stated it " takes time '' for an unenrollment to take effect. I am unable to confirm if I am in fact unenrolled from the program, and when if ever I will be unenrolled. I do not want to be enrolled in this program, nor would I ever be interested in such a program. From XXXX to the present, I have paid {$910.00} into the Discover Payment Protection Program. I believe I was charged another {$500.00} or so from XXXX to XXXX, but I have no way of calculating that amount, because Discover will not release my statements from XXXX to XXXX. I XXXX this issue online and learned that Discover has done this kind of thing in the past, where they will market some sort of cardmember service, without stating that the service will charge any fees, and will continue to conceal it so the cardmember has to continue paying without knowledge of it. I believe this is very unfair and inequitable. My issues with Discover are as follows : 1 ) To my knowledge, I did not ever enroll in the payment protection program. If I did, there is no way I was aware that I would be charged fees, because if I knew that I would have never enrolled. 2 ) Discover never informed me that I was in the program, and the fees were hidden on my statements in such a way that a reasonable person would not be able to notice them. Discover could have given me some sort of notice every year or some sort of email indicating how much I am paying, but instead they concealed this fee from me so they could continue charging it without notice. 3 ) I have never benefitted from Discover 's payment protection program, because I have paid all of my statements in full, and have never had the need for relief from interest fees. 4 ) When I go into my Discover account, I am able to find the page for Payment Protection Program ( after some searching ), but Discover does not have a way for the consumer to unsubscribe from the program without actually calling them and speaking with an agent, making it more difficult for a consumer to unenroll. This is an unfair business practice. 5 ) I believe I have lost around {$1200.00} or more from being enrolled in the Payment Protection Program, and I want all of my money back. 6 ) I want Discover to be investigated for similar fraud on other consumers, because I believe there has to be other people who are being victimized like this.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: To Whom It May Concern : I filed CFPB Complaint XXXX against Discover Card on XX/XX/XXXX. As of XX/XX/XXXX Discover Card told CFPB their response is in process. I received In a letter dated XX/XX/XXXX, collections law firm XXXX XXXX XXXX contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client Discover Card has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct XXXX XXXX XXXX to contact me on their behalf, especially when they had proof of my exempt income. Discover Card has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XX/XX/XXXX letter from XXXX XXXX XXXX, which might indicate, in my opinion, the likely intention of Discover Card to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if Discover Card claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, XXXX XXXX XXXX. Since the CFPB Database seems to indicate that XXXX XXXX XXXX might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that XXXX XXXX XXXX provide written acknowledgement of my exempt income. I have other exemptions as well. Discover Card is put on notice that they were aware of my status BEFORE they sent XXXX XXXX XXXX to attack me, so Discover Card is responsible for any and all actions of XXXX XXXX XXXX.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A