Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and DISCOVER BANK XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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: Stayed one night at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX for {$640.00} and booked a much nicer hotel suite than normally booked to celebrate a XXXX birthday. Hotel management failed to notify the room was ready, despite being requested to, and the time available for the amenities was reduced. Upon arrival to the room, there were curtains missing, bathroom toiletries were missing, the carpet had noticeable burn marks in multiple places, and the bed sheets had stains. The front desk informed us the hotel was booked up for the weekend and no other rooms were available. Following checkout we notified the hotel management again of the issues, provided photos, and left a negative review. Hotel management acknowledged the issues that were noted, but offered no remedy or explanation as to why the quality of their rooms did not match their advertised material. The hotel 's mistakes are something they have acknowledged, their rooms did not match the quality that was advertised when the reservation was made, the issue was brought to their attention when they could have resolved it, and they were unable or unwilling to resolve it during or make amends after the fact. My current issue is that I have a right to dispute the quality of goods and services not being as advertised with my Discover card according to the Billing Rights in my cardmember agreement since I made the purchase with a Discover credit card. I have tried to initiate this dispute, and have been told many times incorrectly that it is not something that I can do by Discover employees. This is despite me pointing everyone I talked to toward Discover 's cardmember agreement Billing Rights section, the Fair Credit Billing Act summary text, the FTC information about the FCBA, and the Consumer Financial Protection Bureau 's consumer website explanations about the FCBA that emphasizes that right to initiate a dispute for that reason. After pushing for it to be opened, the dispute was eventually filed as dispute case XXXX. In response, the merchant provided no information to show that the quality of goods and services matched what was advertised to refute my claim. The merchant provided evidence the transaction occurred and that is all. However, Discover 's agents decided that the evidence that the transaction occurred was sufficient and closed the case in their favor. Discover 's agents are refusing to answer my questions and repeating incorrect information instead of handling the dispute according to the contractual agreement that I have with Discover and according to the laws that Discover is subject to.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. Thank you for your assistance in resolving this issue.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Discover has concluded that the tradeline item is verified, I requested details of their method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnisher. I also request the persons name and address of furnishers of information contacted in connection with such information and the telephone number of such furnisher when you initially prepared that report. They do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that theyve prepared concerning me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was added to the Discover Bank XXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. I first pointed this information out to Discover and asked them to remove the delinquent entries. I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for Discover Bank to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. I asked Discover Bank, and each respective bureau that Discover reports to, to reverse the late payment entries to okay or paid as agreed. Instead, Discover Bank added OK to the previous month preceding the two months that the false and illegal late payment entries were submitted.
Company Response:
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Discover XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: they are reporting balances on accounts that have been charged off for years. The original companies already received the tax write off for those balances which means those balances are no longer valid.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my Discover card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with Discover, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from Discover be considered when reviewing my credit history.
Company Response:
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: late payment. XXXX pt drop on experian. i had paid off my discover card and stupidly turned of auto payment. a straggler charge appeared and payment was not made on time. I turned on auto pay and paid my balance in full. approached discover via experian w/no resolution to review my account. my account is XXXX XXXX XXXX and has never had a late payment. trying to get someone on chat w/discover and can only get their virtual assistant. this was an honest mistake and now I have problems w/an insufferable corporation who will not provide me any review and adjustment yet I continue to be inundated with relentless solicitations for more credit cards and equity lines of payment, and student loans. I can not believe a company that wont review my account and drops my credit rating is eager to take more of my money.
Company Response:
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A