Date Received: 2020-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX report XXXX XXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, DISCOVER BANK add a hard inquiriy on my credit report per XX/XX/XXXX.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: Discover Bank is in violation of Regulation E. I, a consumer, have been forced into financial hardship for Discover Banks non-responsiveness to my communication ( s ), communications directly from the IRS, and communications from the Taxpayer Advocate Service AND by Discover Banks lack of controls in place relevant to unauthorized transfers. To date, damages totaling {$6400.00} have not been returned to me or the IRS. In response to CFPB Complaint XXXX ( attached along with all supporting documentation ) Discover Bank stated, Our records show that we received communication from you on this topic well after the {$6100.00} federal tax refund and {$300.00} state tax were deposited... On the contrary, Regulation E 1005.6 ( a ) Timely Notice Given, states : ( 1 ) If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution... ( 3 ) Periodic statement ; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers. I notified Discover Bank the SAME DAY I learned of the unauthorized transactions. The funds were deposited into fraudulent Discover Bank account XXXX on XX/XX/2020. I informed of Discover Bank of this criminal activity via phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more dates that I didn't record. I've notified them via successful fax on XX/XX/XXXX and XX/XX/XXXX, and third parties, IRS and Taxpayer Advocate Service, notified Discover Bank as well ; correspondence attached for your reference. All efforts were well within the 2-day/60-day timeframes. Moreover, Regulation E 1005.6 ( a ) ( 5 ) Notice to Financial Institution states : ( i ) Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information. ( ii ) The consumer may notify the institution in person, by telephone, or in writing. ( iii ) Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer 's account has been or may be made. Further, Discover Banks response also stated, you may want to contact the IRS and state tax authority to see if any remaining funds ( if applicable/available ) in the account can be recalled. The IRS and the Taxpayer Advocate Service have made numerous attempts to recall these funds PRIOR to Discover Banks response to my complaint. All third-party efforts have gone UNANSWERED by Discover Bank. Please see the attached letter from the Taxpayer Advocate Service that says depicts the efforts to reach Discover Bank and recall the funds. ***IMPORTANT : The letter from Taxpayer Advocate Service is dated XX/XX/2020, but I did not receive until XX/XX/2020 as youll see in the email following the letter. The Taxpayer Advocate Service is months behind as a result from the COVID-19 pandemic, hence why I was unable to provide feedback on or before XX/XX/2020 as requested by CFPB*** The Federal IRS invoked a recall of the federal funds on XX/XX/2020. Indiana invoked a recall of the state return funds, of which the trace number was provided to Discover Bank via a successfully delivered fax on XX/XX/2020 ( attached for your reference ). EVEN MORE, youll see there were THREE unauthorized deposits into this fraudulent account ; one of which Discover Bank returned to the IRS. A CLEAR ADMISSION of wrongdoing! I am a taxpaying citizen and these funds belong to me ; NOT to Discover Bank. Lastly, When I spoke w/ Discover Banks security team, they stated that they were taking notes of our conversation ( s ), but I would not be updated because I am not an owner of fraudulent account XXXX. Per Regulation E, a financial institution is to keep its consumer current of investigative efforts. Though I am not the owner of account XXXX, I have a credit card and a loan through Discover. I AM A CONSUMER OF DISCOVER BANK. Regulation E 1005.11 ( a ) ( 1 ) states : Types of transfers or inquiries covered. The term error means : ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ;... ( vii ) The consumer 's request for documentation required by 1005.9 or 1005.10 ( a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists
Company Response:
State: IN
Zip: 46530
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX/XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX, OH XXXXXXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX ( XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: there are three issues One, I had a discover card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX they still would not let me use my card. Then on XX/XX/XXXX they closed my account. Discover has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, XXXX, and XXXX to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies XXXX, XXXX, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used Discover Card to pay for my XXXX XXXX done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: To : Executive Office of Discover / XXXX XXXX XXXX XXXX & President XXXX XXXX ) XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I called Discover Customer Service to get financial relief ( postponement / reset / interest skip-a-month ) Coronavirus help because I have no job and no money, Discover Lied to me each and every month stating that " Discover doesn't offer Covid-19 relief to its customers '', they keep refusing to reset my monthly payment to {$0.00} since XXXX when this National crisis hit. Discover 's Customer Service Personnel are engaged in Selective Discrimination which is Illegal. Also, last year XXXX I called Discover Customer Service for XXXX Insurance and/or help with lowering my monthly payment due to my XXXX and they told me that " Discover doesn't offer such a thing ''. That to is another Lie! These are all Recorded Phone Calls. and last year after 3 years with Discover I asked for my {$200.00} Security Deposit back & for a non-secured credit card and Discover Lied and keeps saying " I don't qualify '', that is yet another Lie! These people are so cheap and Greedy it is ASSAULTING! Now Discover is sending me Harassing and/or Threatening Text Messages that " I did not sign-up for '' bothering me about payments when they are supposed to postpone XX/XX/XXXX payment regarding ongoing Covid-19 Lockdown. I will have to Sue in US District Court about this abuse and mistreatment.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Discover Card received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 informing Discover Financial that all of my debt with Discover has been discharged in bankruptcy court under Chapter XXXX. Discover Card is in complete violation of The Equal Credit Opportunity Act ( ECOA ) under federal law for credit discrimination by denying my application for approval for a Discover Secured Credit Card on XX/XX/2020.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A