Date Received: 2020-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to XXXX and DISCOVER CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. The solution is to remover this fraudulent account from my report
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt Validation and Complaint against Discover Card ( subsidiary of XXXX XXXX ) This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to Discover Bank ( formerly the XXXX XXXX XXXX ), which is a part of XXXX XXXX /Federal Reserve who controls Discover as of today. Only a legal owner of the debt can collect the debt, IF it was the actual debt and IF this debt exists. Discover Bank, in its own words to Federal Agency ( SEC ), never was an owner of my Note, while my transaction was with totally different parties and totally different nature that Discover misrepresent to me. In reality, I was paid for providing financial Services to Big Investment Banks masqueraded as extension of credit by Discover ( a sham conduit ) to be deceptively drafted into a high-risk securitization scheme operated by XXXX XXXX , XXXX XXXX XXXX, and other large Investment banks, under leadership of Federal Reserve. To the wit, I was paid to issue a Promissory Note which was used by Big Banks as a base of their securitization scheme without any compensation to me or royalties for use of my - plus return the only payment for my financial services if I use it as a credit card. According to current report filed by Comptollerr, XXXX XXXX XXXX, one of the real parties and the main underwriters for Discover Card Master Trust I, who purportedly issued {$1.00} XXXX shares backed in part by my identity, made about {$10.00} per {$1.00} paid to me for my financial services, which means received at least {$16000.00} as unjust enrichment. None of this was disclosed to me at the time I issued a Promissory Note. According to GAAP, Discover ( IF it were an owner of my purported debt - must record my Note as an asset on their bookkeeping ledger ; and write off any balances IF they received any extra profit on top of disclosed. According to Discover Master Trust Prospectus, Discover Bank was a Sponsor, Originator of Assets and Servicer ( but not the owner ) Central Index Key Number : XXXX while Discover Funding LLC was a Depositor Central Index Key Number : XXXX into a Discover Card Execution Note Trust, Issuing Entity of the Notes Central Index Key Number : XXXX, Discover Card Master Trust I, Issuing Entity of the Collateral Certificate Central Index Key Number : XXXX, where BOA and some other Big Banks acted as Underwriters. The Collateral Certificate ( one, for all {$1.00} XXXX ) was issued via book-entry system owned by Federal Reserves member Depository Trust Corporation and assigned to its subsidiary XXXX XXXX XXXX, as the sole Registered Shareholder, through its parent holding company the XXXX XXXX XXXX XXXX XXXX self-regulated companies, as the only beneficiary of the Certificate where Disclover Bank was a sham conduit sponsor ; originator of assets and servicer but never OWNER of the underlying assets aka my Promissory Note. According to Prospectus ( Form 424B5, filed with SEC ) Delivery : The notes offered by this prospectus will be delivered in book-entry form. Except under limited circumstances, purchasers of notes will not be entitled to have the notes registered in their names and will not be entitled to receive physical delivery of the notes in definitive paper form. In other words, Discover Bank, who was a Sponsor, Originator and Servicer, but not the Owner of my Note ( as disclosed in Prospectus ) via its underwriters, XXXX XXXX XXXX, ect. offered INFORMATION about my Note for SALE via book-entry system owned by XXXX and XXXX XXXX XXXX while the entire transaction with me was a camouflaged as a demand to repay my only compensation for financial services to Big Banks who made at least $ XXXX from trading my identity ( aka identity theft ) on the open market. None of real parties or real nature of my transaction was disclosed to me, as well as profits from trading derivatives information about The Certificate held by XXXX XXXX XXXX on the open markets. All without my knowledge or consent, no need to say without any compensation while I am entitled for at leat 20 % of royalities from ALL trades by ALL parties engaged in this transaction. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; or explain based on which authority you can collect from me. Please provide me a copy of retainer for XXXX XXXX XXXX by their purported client, Discover Bank. Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy imaginary certificates via XXXX/XXXX book entry system, backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment. Please explain based on which evidence you concluded that I owe anything to Discover Bank and not Discover Bank owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need to say without fair compensation. Based on my estimate, parties who involved in my transaction received at least {$16000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only returned me {$1600.00} as a one-time payment for issuing a Promissory Note based on which XXXX and other Big Banks ( acting under glimpse of Discover, who is merely an originator but not the owner of any Notes ) sells their derivatives and other unregulated securities, which XXXX expects me to return them with interest. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$3300.00} owed to me by XXXX XXXX XXXX, plus treble damages for fraud plus treble damages for racket via local racketeers with legal licenses XXXX XXXX XXXX, XXXX and their mob member XXXX XXXX. Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by Discover Bank in accordance with GAAP. Was it placed as a receivable to Discover Bank account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on Discover balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the Discover balance sheets? Is this new ASSET came from me, as a borrower, thus Discover owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded byDiscover. Please state if my promissory Note was securitized and sold to investors for cash and how much profits Discover received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed Discover to use my name, signature and reputation to trade on the open market as a security to generate profits ; or to pass my information to any third parties such as XXXX or XXXX XXXX XXXX. Discover got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in Discover bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once Discover provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred. Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
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: On XX/XX/2020 at around XXXX, I was taken to a hospital in XXXX XXXX XXXX called XXXX. Upon arrival I stated my name and explained that I was feeling sick. I issued my insurance card to the hospital personnel and explained that it was valid in XXXX and that it should be billed ; as an out of network provider. Shortly after that I was given some medication that the doctor stated would relax me. At XXXX XXXX, I woke up and I asked the nurse why was I still in the hospital. The nurse then stated that the doctor recommended it for observation and I had agreed. I become upset because that was not the truth. I demanded to see the doctor and the nurse stated that the doctor was not on shift and will not get in until XXXX XXXX. I then asked if I could be discharged and the nurse stated that I had to see a specialist. I asked why and was told that it was the doctor 's recommendation. Close to XXXX I noticed a message on my phone and {$2000.00} was charged from the hospital to my Discover card. I asked the nurse to explain how XXXX got my card and who authorized them to bill the Discover card. The nurse saidthat I would need to speak with billing. I became extremely angry and demanded to be released from the hospital. I was told that I would not be released because I needed to see a specialist at that point I still had no answers as to why I needed a specialist. I demanded to be released again. I was told I had to wait for the doctor and he was not in and will not be until about XXXX XXXX. I called the nurse after the nurse left the room and no one came. It was still after XXXX. I got upset drag the XXXX stand and went into the hallway and begun yelling and taking out the XXXX because I was ready to leave and I was ready to find out why and how my card was charged. The nurse then took the XXXX out and the doctor stopped by and said I was leaving against his advice. I told him that I thought he wasn't on shift. He didnt respond. I asked about the need for a specialist and he claim something about XXXX balance. I then demanded to leave or I'll call the US embassy. I was released then. I arrived at billing and I issued them my insurance card and advised them that I issued it the night of arrival and that they needed to bill the insurance. I told the billing personnel that I did not issue my card to any XXXX staff and that I am not authorizing the charge and that they didn't have permission to bill the Discover card. The XXXX personnel then said to me, your insurance gave us trouble previously in the past. I explained to the XXXX staff that I have never been to XXXX before so my insurance or my situation is not the same as their past experience. The staff then stated it is already billed to your discover card. I asked how they obtained this. The person that took me to the hospital apologized to me and explained that the hospital asked for a second form of ID such as a card and he issued it. He said that the XXXX staff later told him that they held a deposit and would release the hold in the morning. In the morning he also confronted XXXX for dishonesty. The hospital staff then told me that the total was {$2300.00} billed to discover. I told the XXXX personnel that I am not authorizing the usage and payment because I did not give the person who took me there any authority to issue my card and they are not an authorized representative on my discover account. So the charges need to be reversed. The XXXX staff said it couldn't be reversed. Upon arrival to the US my insurance company was not billed and stated that XXXX never submitted a claim. I filed a dispute with Discover card services. Discover stated that they had ruled in my favor due to no response from XXXX. Discover later billed me and stated that the hospital submitted documents that I used the services and that it did not matter if I didn't sign or give permission and that a signature is not needed as long as the merchant was issued the card and service was utilized. I explained that my signature on my ID didn't match that of the document from XXXX and I couldn't have signed a bill for {$2000.00} while I was asleep.. I also explained to discover that the person who gave my card will attest to this. Discover said that didn't matter. I hardly see where this is right or legal or a fair act. Because I issued a payment in the form of my medical insurance and instead XXXX didn't use the insurance instead they gave me a medication that put me to sleep and while I am out they convince someone to get in my belonging who is a third party and that is how they obtain the Discover card. I would have never given them my card. I should not be accountable for those chargeson my discover card. Discover need to refund two charges totalling {$2300.00} one for {$2000.00} and one for XXXX XXXX this way the hospital can bill the insurance like they should. XXXX should be held accountable for going the correct route to obtain payment. I submit a copy of my signature on my drivers license and a letter from the person who issued the hospital the card. I didnt attach but I also have a recording of me explaining to discover the situation and discover saying that a signature is not required and as long as the card is charged for services I am liable. I can present it later if needed.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Called Discover on Monday XX/XX/XXXX because I had authorized a {$5000.00} transfer from an XXXX credit card balance onto Discover 's card, however XXXX was not showing the amount on their end while Discover was. Called XX/XX/XXXX @ XXXX XXXX AZ time, lasting for 20 minutes and 29 seconds. Spoke to three people, first customer service to explain the issue I am having, second the transfer department ( XXXX ) to view what the issue may have been, and finally billing to help put a credit on my account while the dispute is being investigated. I found out that the transfer was for a different XXXX card number account, thus why it was showing as processed on Discover 's end and not XXXX. So we authorized another transfer because I was told I would be getting a temporary refund on the transfer amount while they contact XXXX to get the transfer cancelled. All was seemingly okay until I checked both accounts on XX/XX/XXXX and discovered that I was not in fact issued a refund, the second transfer went through, and so did the first. Called Discover to be told no, sorry no refunds are issued in these disputes and that despite being told they would take care of the transfer issues including any fees, I was now liable for the full $ XXXX amount plus {$300.00} in fees and the case is closed on their end. I was given no recourse, apology, or refund of the first fee amounts as promised. I WOULD NOT have authorized that second payment if XXXX did not lie to me saying that 1 ) this was not my fault and would be resolved with 15-30 days ( 2 ) a refund would be issued within 24-48 hours and ( 3 ) that the second transfer would be the only approved transfer. Timeline : XX/XX/XXXX XXXX XXXX : Had to speak with a representative to approve of application due to security I have on my SS #. Told transfer would be processed with the next few days XX/XX/XXXX XXXX XXXX : Spoke to Customer Service about the issue that XXXX is not reporting a payment despite Discover having been processed. Told I would need to transfer to the Transfer department to look into the issue. Was told by the Transfer department that the account number was incorrect so they issued the payment to someone else 's account at XXXX, and that they will transfer me to billing to get the charges reversed. In the mean time, they would authorize the proper transfer from my actual account which would take 10-15 days. Was then transferred to XXXX in Billing who took my information on how the account was not mine and that she would issue a refund that would show within 24-48 hours on my Discover account. XX/XX/XXXX XXXX - XXXX XXXX : Online Chat with XXXX from Delaware. Told me the dispute is open and there was no approval on that refund. Was told there is nothing they can do to help. He then stop the chat before I could continue, so I had to call instead. XX/XX/XXXX XXXX XXXX : Spoke to XXXX from XXXX XXXX XXXX in Customer Service to go over my concerns on the lack of refund and process of the transfers. Was told there was no provisional credit being applied due to the nature of the transaction, despite being told otherwise days before from several people. Was also informed I was held liable for the full transfer amount and fees since I " authorized '' them. Was told I should call XXXX to get the issue disputed from their end except the transfer wasn't from my account so she wasn't sure what I should do. XX/XX/XXXX XXXX XXXX : Spoke to XXXX and they are now seeing 2 payments for {$5000.00}. Opened a dispute because I did not authorize one of them and they were unable to verify who they came from. Was told to call Discover to get answers and call back. XX/XX/XXXX XXXX XXXX : Spoke to Customer Service at Discover again who transferred me to XXXX in the transfer department to discuss issues. She said both payments were likely from Discover but she will talk to billing to get some answers as the account numbers are still not correct. She spoke to billing for 10 minutes and was told by them to tell me that because it is showing up on XXXX they consider this case to be closed and I have no other options with them. There was nothing they were going to do and my best option was to call XXXX and see if they will refund me the {$5000.00} to pay Discover with. XX/XX/XXXX XXXX XXXX : Contacted Discover via chat and spoke to XXXX again to give them one last chance to waive the first transfer fee and was told again that they could not do anything to help me right now but that I can pay back the transfer amounts and then contact Discover again to see if they may possibly waive the fee.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
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've written XXXX concerning act # XXXX on XX/XX/2019, XXXX XX/XX/2019 and XXXX XX/XX/2019 the this act did not belong to me. XXXX has refused to respond back and is continues to cause me from getting loans, job promotion etc. Pursuant to section XXXX XXXX a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The XXXX XXXX is respectfully demanded and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX XXXX file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the XXXX XXXX of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ] Please remove unauthorized act from my private/personal credit file.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
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: Discover card will not refund my account for fraudulent charges.
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied for a secured Discover card with a {$200.00} security deposit. On XX/XX/XXXX the money was withdrawn from my account. About 10 days later i received the card in the.mail. I called to activate the card the same day but was refered to a special agent who said they needed access to my IRS.records to verify my identity. I complied but really didnt understand why a copy of my state id and ss card was t good enough. He said he would activate the card bu t couldnt guarantee it would work. After trying to use the card for a week i was notified the account was closed. I called trying to get my deposit back and the credit reporting removed. I was told i have to wait 2 billing cycles for the money a d there was nothing they could do about the credit reporting.
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A