Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover Bank is showing this account as a charge off with no payments being made for over 12 months. Payments are in fact being made in accordance to the agreement with their legal representation for the past 11 months. I have contacted their legal representative, and they stated that it is not their responsibility to report to the credit bureau, but Discover should be updating the reporting, and that they send them a monthly feed showing the account is actively being paid on for their records. Because of Discover not properly reporting to the credit bureau, my credit score has been negatively affected and almost cost me an employment opportunity. They need to have all of the payments I have made updated to my credit file and update the status from a charge off to active status and make any necessary to the score as well.
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made multiple complaints against Discover because they are just not right. It is reflected in the attached letter from Discover ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, Discover didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but Discover simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and Discover protects someone who has nothing to do with the card and stealing.????????? The Discover debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Applied for a credit card that I never received. Called company to ask about status of card and was told there were unauthorized transactions on the card. Told that account was closed and new card was sent to me but never received card. Neighborhood has had complaints of people stealing mail and packages. Spoke with Discover multiple times told me they would fix the situation only to put me through financial hardship for about two years. This has hurt my chances on getting new credit with fraudulent delinquency on credit report. This has hurt me for two years I havent been able to get a house because of this. Discover opened the account without my consent I wasnt the one who initiated the original activation of the card.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted Discover in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today Discover continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by XXXX and removed, yet XXXX continues to allow this inaccurate information to report again without blocking it.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: XX/XX/XXXX I called Discover with the following issue : -In XX/XX/XXXX I received a promotion whereby use of a convenience check for balance transfer would be at 4.99 % promo APR ( on balance transfers for 15 months ) and with a {$0.00} promo fee -The promo offer contained 4 convenience checks ; two for program described above ; two for another promo -In early XXXX I used a check for the 4.99 % APR program to pay a balance with XXXX, for {$4000.00} and while I can not recall exact mail date it was posted by Discover on XX/XX/XXXX a current statement shows -The same statement ( dated XX/XX/XXXX and intended to be an attachment to this or can be provided ) is the point of concern as it indicates a rate of 24.99 % for a balance of {$2800.00} ; another 12.99 % for {$3300.00}. Nowhere could I find 4.99 %. - As well as the interest being way off and the balances not making sense there was also a 'Cash Advance ' fee of {$200.00} - I called Discover at XXXX at XXXX XXXX ( EST ) today, XX/XX/XXXX. -Connected to XXXX ( in XXXX XXXX XXXX ). Very polite and after a long set of holds could not figure it out but did say this was from a prior promotion that had expired so it became a 'cash advance '. -I then said to XXXX something I repeated to all the people who followed : " I have in my hand the promo offer, with the 3 remaining checks and on one page the perforations are as clear as can be for the check I used. The promo not only has not expired, it is actually still open to me ( until XX/XX/XXXX ). '' -XXXX couldn't figure it out and moved it to 'XXXX ' in 'Disputes Team '. I told him about the checks & promo in hand and he ultimately said the same as XXXX ; that it was an expired promo. At this point let me say I may be XXXX but I don't think I am incompetent and knew what was in my hand as to the promo materials- plus i recalled shredding a prior Discover promo. I don't use these 'promo 's ' lightly. I asked XXXX what next. -XXXX transferred me to 'XXXX ' in 'Billing Assistance '. After once again repeating the situation as stated above, and putting me on many holds she asked if I had a copy of the check. I explained that I don't have a copy of a check I sent and that while I kept the whole promo solicitation I never imagined I would need to make a copy of the check itself- I'm glad i kept the rest of that promo however. ) Ultimately she said all she could do was this : ( A ) She would need an image of the check and would request same. ( B ) I asked when or how long will that be. This is a direct quote : " There is " no timeline ( she ) could give for when they would get the check ''. ( I was stunned and repeated that back to her and she said I got that right- no timeline ). I said that is not acceptable ( C ) XXXX then said, as to her requesting said check, and I use an exact quote : " IF you get the check you can dispute it at that time '' I said " IF? '' and she said words close to " well, when ''. Again, however, no timeline ( D ) As to Discovers getting copies of these checks she explained something about merchants being allowed 30 days even though they need not reply at all ( I don't understand it's relevance, if any, to me ) but then repeated that stunning ( to me ) statement about how for the consumer " there is no timeline. '' ( E ) Summary of the call after 54 minutes was they " may '' get the check copy to me and only then can I file a dispute. She wouldn't be getting a copy too and that was it. I expressed how utterly inequitable that is to their customers. She said she would 'send a note ' about that. To who it would be sent I was not told nor did it seem of much concern or matter. Before ending the call she did agree if this was her she wouldn't be satisfied either. As it stands now I am being charged as much as 20 % MORE than the promo check, plus apparently I was charged a fee for the 'cash advance '.
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
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/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my report there is a closed account with missed payments. DISCOVER FINCL SVC LLC # XXXX Its not mine account. This account belongs to my ex wife. I no longer share finances with her, I want to ask XXXX to remove it from my credit report.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A