Date Received: 2023-10-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint involves an issue that began in XXXX when I was given a lower interest rate for 6 months because I was having trouble paying all of my bills. In XX/XX/XXXX, my Discover card bill increased again. I called Discover in XXXX to ask for help. After many calls and continuing harassment from them, I agreed to a payment plan to start XX/XX/XXXX. I agreed so they would stop with the harassment. I began getting help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) just after accepting Discovers plan. XXXX informed Discover that I would be working with them. I believed that my payment plan was discontinued after they received the letter from XXXX. I didnt trust Discover so I removed my bank account information from my Discover Card account so the previously agreed upon payment could not be withdrawn from my checking account on XX/XX/XXXX. I was notified that Discover Card had withdrawn {$170.00} from my checking account. They disregarded the fact that I had removed my billing information and told me that they keep billing information even if you delete it in their system. And, it was my fault because I did not formerly end the payment that was arranged- {$170.00} on the first of every month. I requested that the money be refunded to me. The answer was no. I called the Discover Card complaint line on XXXX and spoke with XXXX. He was going to call me after looking into it. No call came and when I tried calling the number again, I got a message stating it is no longer active. The fact that a company keeps deleted bank account information is appalling. When I removed my checking account information I also withdrew my consent. I have had no end of trouble with this company. I reported all of this to the XXXX and Discover blamed me and refused to acknowledge storing my checking account information and withdrawing money. The letter from Discover said it was resolved. Below are the communications with Discover and the XXXX Desired Outcome/Settlement Desired Settlement : Refund None Provided From the XXXX on Wednesday, XX/XX/XXXX Please see attached. Attached Files/Documents XXXX XXXX XXXX XXXXXXXX From the XXXX on Thursday, XX/XX/XXXX Please see attached. Attached Files/Documents XXXX XXXXXXXX XXXX XXXX XXXXXXXX From the Consumer on Tuesday, XX/XX/XXXXXXXX XXXX XXXX Complaint : XXXX I am rejecting this response because : Since Discover card is unwilling to accept responsibility for the previous action which lead to my initial complaint, Sincerely, XXXX XXXX From the Consumer on Wednesday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because : this response fails to address the fact that my checking account information was deleted from my Discover card account. However Discover still withdrew {$170.00} from my checking account. When you delete payment information from a computer system, one expects that it is deleted and not stored for use by that company. When the checking account information was removed I withdrew my permission/consent to use that information for any use by Discover card. Sincerely, XXXX XXXX
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: A loan of {$9300.00} from XXXX XXXX XXXX appeared on my Discover Alert. contacted discover and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE DISCOVER REPORT. please contact at XXXX for further follow ups.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I request that the fees and interest charges accumulated in the amounts of {$190.00} and {$280.00} accumulated during XX/XX/XXXX-XX/XX/XXXX in regard to my accounts ending in XXXX and XXXX be reimbursed to me. During that time period, XXXX XXXX erroneously charged my cards and would not cancel my membership as agreed. After several months of disputing the legitimacy of the charges, the company finally admitted wrongdoings and attempted to reverse the charges through Discover. However, XXXX XXXX informed me that Discover would not accept the reversal. So they sent me a check for the charges. By that time the above-stated fees and interest had accumulated. Discover refused to take the charges off my accounts and closed my accounts. They stated that the reason for closing the account was that I did not give them updated income verification within their timeline. I do not recall receiving any correspondence requesting that information. When asked why they didn't call me, I was given a made-up phone number. I have paid the fees and interest charges so that it would not further damage my credit. However, again, I want reimbursement of payments.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with Discover to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. I asked Discover to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. My credit reports show that Discover wrote off the balance. it does not say " Paid in full '' with a XXXX balance. Discover told me that's what it would say.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT AUTHORIZE THIS ACCOUNT. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: DISCOVER BANK XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my XXXX credit report. Specifically, there is an account under the name 'Discover Credit Card, ' which I did not open or authorize. To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the 'Discover Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. Sincerely, XXXX XXXX Attachments : Police report Identity theft ( XXXX [ XXXX ] )
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. DISCOVER BANK XXXX.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the year of XXXX, XXXXwo credit cards were opened in my name for Discover and XXXX XXXX XXXX. Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve Discover and XXXX XXXX XXXX.
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: At this moment, XXXXXXXX XXXX actions appear to be deliberate. Despite my extensive efforts, they have only succeeded in removing the fraudulent debt associated with XXXX XXXX. Shockingly, within a week, they replaced one inaccurate debt with another. It is imperative that XXXX understand that I have no outstanding debt with Discover or any pre-bankruptcy obligations. There are no financial responsibilities owed to XXXX, Discover, or any other entity. It is astounding that a major credit reporting agency would operate in this manner. I am actively pursuing legal recourse, though it should never have reached this point. What actions will the Consumer Financial Protection Bureau ( CFPB ) take? This situation necessitates more than just a message to XXXX. The CFPB must take resolute action against XXXX if they persist in retaining discharged debt on my credit report, as it is clearly unlawful.
Company Response:
State: ID
Zip: 83702
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A