Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'VE BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
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: This issue has been ongoing for the last past 10 months with Discover Bank, I initially called them to provide my up to date address, they informed they couldn't have two addresses on file, I made them aware I have a new address ( PLEASE PULL THE CALL ) and provided that information, they never did change it. That's a violation of the Fair Credit Billing Act, by law they CAN NOT send a bill or statement to the incorrect address, in XXXX I still didn't receive my statement which is one reason the inaccurate late payment has to be DELETED! In addition to that, I'm requesting that all calls from to the agents is submitted to the CFPB and me so that it can prove how deceitful, inaccurate, unlawful, and unfair this company is reporting this late payment on my report. I have small payments that automatically is sent to Discover which wouldn't take care of the minimum due but the smaller payments knocks the balance down so I know to call to make the rest of the payment or pay online. This specific time an agent contacted me to set up a payment to cover the remainder balance which was a little over XXXX or XXXX. I set up the payment and the rep verified it was the same Bank information that I use to make the automatic smaller payments I stated yes! ( PLEASE PULL THE CALL ). A month after, I still hadn't received any statements in the mail. But I get an alert that there is a late payment on my Credit Report. Remind you, I do not have any late payments on my credit report and I have 4 other major credit cards with 9+ years of on time payments. I called Discover to speak to a rep about it, I was on the phone for over an hour they couldn't seem to understand why I had a late payment. They saw that the information I provided was correct and they stated, " Oh the rep didn't process it as an ACH payment ''. So I then filed a complaint and sent in my banks statements showing the day for the amount to be withdrawn, it was never TAKEN OUT! My bank statement also showed that I had funds in that account that day and days after, they didnt not attempt to withdraw funds to take care of the payment. Horribly enough, I still hadn't received my statement to the correct address! I called multiple times, after that, spoke to multiple departments. No one had an answer to reason why that happened an why they would report it late. They only apologize for the inconvenience. They were so confused to the point I ended up getting the FICO 1800 number to Discover to speak to a rep there and they gave me the run around as well. Discover Bank is fraudulently reporting this late payment. In addition, they updated my payment history, month after that they reinserted it back. By Law, they have 5 days to notify me in writing due to I disputed it in writing as well, to reinsert that back on my credit. They fail to do that as well. They are CROOKS! They're trying to make money off of any derogatory marks on consumers reports! I have proven to them everything via email, mail in writing, and over the phone. The last complaint I just submitted their results stated they didn't have my new address on file nor did they have any information about the new address, guess what? They even sent mail to that address. I YET AGAIN HAVE PROOF. I will attach that DISCOVER BANK MAI L SENT TO THAT ADDRESS as well. They're lying about every damn thing and I'm proving them wrong each and every time and I'm requesting all calls and information I provided. I will make the media aware if anyone has any similar issues or issues pertaining with Discover Bank to come an file a complaint online to the CFPB so that you all will look further into this and I guarantee it will end up in a Class Action Lawsuit because the mistakes their employees are making, they are making consumers suffer and be held accountable for THEI MISTAKES!. This inaccurate late payments has to be removed by law and following all the information I provided. This is unfair and deceitful practice. I'm now seeking attorneys to start litigation process. I have all my phone calls recorded and Im requesting that they send me what they have. I'm not going to stop until that stop onaccirately reporting my late payment. I will majke sure I will be an advocate and have everyone to file a complaint to make you all aware of the practices of Discover Bank. There are plenty of their employees that want to be whistleblowers, but they're too afraid to lose their jobs! Please investigate their practices. Ive asked over and over for them to stop with this late payment thats inaccurately reporting. I'm now Mandating this to be removed per the Fair Credit Reporting Act and the Fair Credit Billing Act.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing. today i called them again and went police dept i will mail again police investigation report and XXXX XXXX closed docu. plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''. As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2017 numer account # XXXX This account was his balance of {$2400.00} that transaction was fraudulent ... I made a police report ; I sent the report to the discover card, I have disputed this balance with the end that we reach an agreement which I have been appealing for now, this refusal is still debt in my credit report. I did all the necessary process but it turns out that there will be an investment and then they tell me that I am obliged to pay this amount of debt ... please I need you to make an investment since I can not pay a balance of XXXX dollars that was consumed through fraud ...
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
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: Earlier in 2020, my friend opened an account with a gym. At that that gym ( XXXX XXXX XXXX XXXX required that he have a credit card on his account. He did not have his credit card with him so I authorized to place my card on his account. I was assured that after he called in with his credit card info, my card would be removed. In XXXX I was charged for his account. As soon as I noticed the charge, I messaged them to remove my credit card info. They assured me that they would handle the matter. Then the presence of covid required quarantine and gyms closed for a few months. When they opened in XXXX, XXXX XXXX XXXX charged my card 4 times for a total of {$350.00}. I was very angry and immediately messaged and emailed them demanding that they reverse the charges. Their response to me ( attached as proof ) was that : 1 ) They would not remove my card until they had another card to replace it. 2 ) They claimed to have only charged my card three times totaling {$250.00}. The only thing that I felt I gained from the interaction was the fact that they admitted via email that the account I was being charged for was not mine. Still frustrated, I contacted my bank ( Discover Bank ) to dispute the charge. They took my info and gave me a provisional credit. But fast forward to today and they reversed that credit siding with XXXX XXXX XXXX. They even reversed the forth charge that XXXX never admitted to having!
Company Response:
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
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: I paid for parts and labor to replace my air compressor in my HVAC system. It turns out that the man who wrote the invoice and owns the company only has an apprentice license in the state of a Maryland. By law in Maryland, he is not permitted to do this. He installed the compressor by himself, I have a witness statement to that affect. This is also against the law in Maryland. I have turned him into the Maryland Department of Labor. I took him to civil court and lost my case because I did trot have my witness who examined his work. The judge told me it was irrelevant in civil court that he broke the law because I was suing for my money to be reimbursed. I sent 72 pages of documents to Discover and they have done nothing. This man entered into evidence the contract between us and his fathers master restricted license in HVAC repairs and installation. His father was never on my property but the man who installed it admitted that he installed the air compressor himself. He stated that his father was his overseer, but under Maryland Law, the apprentice May NOT do any work without a Master on the job site. So this man entered into a contract with me, against the law, installed the compressor himself without ANY supervision, and Discover still has the charge on my bill.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
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
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have had issues with Discover since the start when my loans were syndicated to Discover from XXXX. First, XXXX had offered a program where they would reduce your interest rate if you made XXXX on-time payments, which I did, but then at that point they were syndicated to XXXX. They refused to honor the program despite XXXX telling me that XXXX had agreed to do so. I must have spent 25-30 hours printing out old emails from XXXX and fighting with XXXX about how they should honor the interest rate deduction. XXXX finally agreed after MONTHS of fighting with them. Then another issue arose in the spring of XXXX when I tried to make a large payment toward my loan to get a lower monthly payment. I called the 800 number and spoke with someone who told me which loan to apply it to and the subsequent reduction in my monthly. Based on that call I actually added another couple XXXX to the payment because the monthly amount the person had told me was a lot lower and I wanted lower monthly bills. A few weeks after that, I got my student loan bill and it hadn't dropped by nearly as much and something seemed off. I called and spoke to who knows how many people and eventually had it escalated to some higher-ups ( XXXX XXXX and XXXX XXXX, but it seems neither of them work there anymore ) who were unable to, after hours of calls, tell me how my monthly payment was calculated. They sent spreadsheets that looked like XXXX documents and were not at all coherent and no one could explain then to me. I never knew what my amount was. Further, in connection with the large sum I had paid to lower my monthly payments, they took it upon themselves to extend the term of my loan ( which was part of the reason that the monthly amount hadn't gone down as much as I'd wanted it to ). I believe there are several Discover cases pending or in arbitration for this exact issue. They also would not honor the lower monthly amount the customer service rep had quoted me which had prompted me to make a larger payment. So ... after all that, I basically had them refund me my money, go back to my regular loan term and by then was so fed up with it and also XXXX so could not handle the stress so that I dropped it. Then in the fall of XXXX, I noticed that my automatic payment was less than it had been previously. When I looked further it seemed that the interest rate had increased but my payments were lower. This confused me so I called the customer service line and was told that I had been overpaying previously on minimum payments and this had been corrected when the interest rate was adjusted ( because it was based on prime so had gone up ). When I asked by how much and for how long, again no one could tell me and no one had any information. A week or so after that, my minimum payment amount went back up and when I asked about it, they said there had been a mistake. At this time I again asked how my minimum was calculated, and shocker, they couldn't tell me. I was so fed up at this point I refinanced with another bank ( XXXX XXXX ) who offered a better rate, but had to extend the term of my loan for another 5 years to get it. A couple of months ago I received a letter and check from Discover Student Loans dated XX/XX/XXXX stating that my Minimum Payment Due amount was higher than it should have been on two loans. I was sent a check for {$330.00} which I did not cash as I see it a settlement regarding claims with respect to the amount they forced me to overpay. I knew all along my monthly payment was too high and this confirms it. It is criminal that no one could tell me how my monthly payment was calculated with all the effort I put in to find out and then they send a check - which is clearly a settlement check shamefully disguised as a windfall - years after I moved my loans from Discover to another lender because I couldnt handle dealing with Discover anymore. The check amount is also appallingly low and should cover ALL of my loans, not just two, so when I called Discover to find out how that amount was calculated, not unsurprisingly, no one could tell me. I spent 40-60 minutes on the phone on two separate occasions being passed from rep to rep with no results and ultimately a shallow promise that someone would call me back with the information. No one did. I also tried emailing the people who Id been in contact with in XXXX ( XXXX XXXX and XXXX XXXX XXXX but no response. The check could not possibly cover the full amount I have overpaid, I had around $ XXXX $ XXXX in student loans with Discover. Also, the check does not at all take into account the lost opportunity cost of the money they essentially stole from me and held onto for however many years. Not to mention the hours and hours I have spent on the phone with Discover trying to find out how my minimums were calculated. Information that should be readily accessible. In addition, I wonder how many people have cashed their meager checks not knowing they were accepting a settlement. Discover Student Loans is predatory and criminal in terms of the the interest rates they charge, their refusal to honor programs to reduce those rates and their lack of transparency as to how minimums are calculated and amounts owed.
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A