Date Received: 2020-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX
Company Response:
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a DiscoverCard Bank Account, that would automatically pay my DiscoverCard bill when it came due. I have set a {$900.00} credit limit on the card because I have had my card number stolen on the internet twice and the second time they charged 2 items at {$1000.00} apiece. With my {$900.00} credit limit I have to watch my spending, but I do that. The DiscoverCard Bank was going to pay off my card on time. XXXX thru on XX/XX/XXXX my credit limit was in sight so I sent in {$300.00} to Discovercard, so my card would keep on working. So at the end of the month, instead of paying off the card in full, it only paid the balance left after my {$300.00} payment was taken in. I now at the beginning of XXXX XXXX XXXX ) I have less than {$400.00} credit left on the card, which with all the transactions for the month will not be enough. I called Discovercard and asked them to close the DiscoverBand account and put all the money into my Discovercard amount and close the DiscoverBank account. They said they could not do it - in my mind this is a SCAM - I can not transfer my own money from the 2 accounts I own. They have my money and they will not give it back.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received unauthorized charges on my credit card account and reported it to the credit card company in XX/XX/XXXX. The total amount of charges were over the amount of {$710.00}. The account was closed and placed under a 90 day investigation. After the 90 day investigation ended, the credit card company did not resolve the charges in my behalf and proceeded to charge back the unauthorized charges to my credit card account. I've contacted the credit card company to appeal the charges on several occasions. Furthermore, I've contacted this credit card company on XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. However, I was continuously treated with hostility in regards to resolving the unauthorized charges including mailed and faxed affidavit forms from this credit card company.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I suddenly got a late payment delinquency report made by Discover Bank from my credit bureau -XXXX , in the first week of XXXX. I called Discover Bank, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX so that they can support it as well. But the agent I spoke to lied to me. When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that Discover Bank had created is insurmountable. When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this Discover Bank situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? No, something is definitely fishy about this.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The credit card company is still trying to collect on the debit after they sent me a 1099-C and it was reported on my taxes as income. However, they are still trying to collect on this debt and reporting it as open and late every month on my credit report.
Company Response:
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In the beginning of XXXX of this year I called Discover and notified them of some charges that I saw on my statement that cut on XX/XX/2020 that were not authorized by me. The charges are as follows XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX @ XXXX 's for XXXX and XXXX To XXXX XXXX XXXX for XXXX. I filled a police report with the XXXX Police department Case number XXXX. I called Discover on XXXX and was told that I must pay for the charges and that they would be charging my card. Discover indicated that the charges were valid because of my address being verified with the merchant I pointed out to Discover that they have notified me that my information ie address, email, phone number etc. have been found on the dark web so I wouldnt find it impossible that my information could be used. These charges happened in Florida I live in NC and wasn't anywhere near FL at the time these transactions occurred. The charge right before the fraud occurred happened in NC.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof. I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. Please remove this fraudulent account immediately from all of my credit files.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I wrote this to a member of Wisconsin 's Department of Financial Institutions I know it's been a little over a year since our first contact. Due to Covid my processing in fighting this judgement. A few weeks ago I represented myself in a De Novo hearing in the XXXX County XXXX circuit court. The judged ruled in Discover Banks favor, chiding me that I had " waited to long. '' His comments about this not being " much money '' were at best insensitive. While just below what could be considered small claims any claim of Garnishment against my teaching salary would be very hard to manage given my wife 's professional practice has struggled in Covid as she adapted to doing more online. My argument has been since starting to fight this that I was " sewer served '' back in XX/XX/XXXX as agents acting on behalf of XXXX XXXX in XXXX. The agents filed an at best errant affidavit claiming to have found me home on a night when I was at a meeting of a non-profit, XXXX XXXX XXXX, that I was a board member of. Evidently XXXX XXXX found that a clear violation of my 4th Amendment Rights under the Federal Constitution insufficient. Do my constitutional rights have a statute of limitations. The Affidavit of Service arrived on the afternoon before the morning of the scheduled hearing. I wrote the law firm and I was unaware that no official communication with the court could be sent via email stating that any business I had with Discover Bank ended in XXXX but my wording could have been far more concise and not as polite. This letter " showing knowledge '' of the action, but not within the statutory limits of proper notice was used to a club by XXXX. Had I done nothing I would likely not be writing this to you as it would have been very clear that XXXX had crossed a line in my rights as a consumer. At the initial appearances before a court commissioner my witnesses provided sworn testimony to my presence at the meeting. My wife, then fiancee, had a note in her professional calendar that I would be at a meeting that evening so she would not schedule clients as at the time my XXXX stepson still lived with us and still needs constant supervision. Even when XXXX called upon the same agency to serve me to a " garnishment '' meeting they were very cavalier with my rights to proper notice, serving me just four days prior to the scheduled hearing. The initial summons lists XXXX XXXX XXXX as the represented party. XXXX XXXX was " reacquired '' by Discover Bank after XXXX XXXX developed a reputation for creating records for debt well beyond the statutory limit of collections and selling these lists of Ghost Debt to firms like XXXX XXXX, In Wisconsin this is an absolute limit which given I hadn't used a credit card or made any payments since the early XXXX XXXX anything my job crisis in XXXX I may have owed was and still is well out of the window of legal collection. Initially prior to retaining the council of XXXX XXXX I called Discover Bank 's Legal and Collections Department. They had no record of me owing anything until my Attorney called them. XXXX XXXX filing coincided with XXXX County opening the Civil Courts to electronic filing. A week after I wrote my email thinking I had taken sufficient action to address the matter I heard a story on Channel 27 's news broadcast about a large volume of civil suits against consumers had been filed and if a defendant showed up and challenged it the pursuing " plaintiff '' usually had no evidence to prove a debt was owed. If I had only not needed to be somewhere else at XXXX XXXX on XX/XX/XXXX I may have showed up out of principle that something was amiss. When you have had collection agencies hounding you to a point where going to the mailbox nearly caused panic attacks. Anything I had ever seen from XXXX never was opened prior to the judgement that was obtained or after. At times there was nothing but shame from circumstances of being laid off from a job because I was " too expensive '' under Act 10 and finding it impossible to find work in my field because I had too much education and experience. I am hoping you can be of assistance in this matter. I am hoping it's not too late to find that XXXX XXXX at best cavalier approach to debt collection and gotcha tactics aren't left unchecked. I am hoping you can help me restore some faith in the system. Sincerely XXXX XXXX XXXX XXXX Some Additional Information : Received and accepted a summons for a hearing prior to garnishment late XX/XX/XXXX. This summons was accepted on a Friday with the hearing the following Tuesday. This service was not compliant with Wisconsin Statutes with proper service. Prior to retaining the services of an attorney called Discover Bank. They had no record of a recoverable debt or a debt that was in collections or part of an effort to recover a debt by legal settlement. In their words they stated that I owed no recoverable debt at the time XXXX XXXX was attempting to collect from me. The debt/settlement was not on my credit report prior to my then Attorney XXXX XXXX contacting Discover Bank. Case in Wisconsin Circuit Court is ... XXXX. The settlement was obtained in " small claims '' court. The 4th Amendment gaurentees my right to due process where the loss of liberty or property is at stake. XXXX XXXX in their actions as a collections agency has trampled my rights under the Constitution. My wife attempted to file a complaint on my behalf but this was done while the case was still open and scheduled for hearing in the XXXX County ( Wisconsin ) circuit court.
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Discover Financial Rep responded from Delaware and he indicated he would let me know why I was turned down. He did not, just sent the attached letter -- indicating I call XXXX. They had one error on there and I have just disputed it. It was a mistake and a letter went to XXXX prior to this to tell them to remove it, they didn't look at the letter. I meet the credit scores even with this on, but it will be taken off as well. I have attached the letter from XXXX at Discover, no indication as he stated in his response back to CFPB. ( if it lets me attach )
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have to ask Discover to send proof of the account being opening by me and it's now 90 days all they will send is a letter full of accusation and a signed application or electronica application with IP address information. This is a violation of the Fair Debt Collection Practice Act. I am asking for proof of debt no a statement or letter of accusation. I am will take an Affidavit sworn by Discover that this account is mind.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A