Date Received: 2020-09-29
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: 11550
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2020 I mailed a negotiable instrument ( check, money order, federal reserve notes etc ) to an attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in regards to a XX/XX/2020 court order signed by XXXX XXXX XXXX of XXXX County District Court in reference to a credit card account # XXXX. I sent all correspondences through a disinterested third party, a Notary Public evidenced by certified mail tracking and return response. I did not dispute any of Ms. XXXX 's facts or the ruling made by the judge but sought to honor the debt that is outlined. After sending a negotiable instrument toward the satisfaction of the debt I gave Ms. XXXX 30 days to respond through the notary that she had removed the debt from the public registry or had a reason why she could not. Ms. XXXX did not respond to that first correspondence. On XX/XX/2020 I sent a Notice of Non-response and Opportunity to Cure to Ms. XXXX through the Notary Public to give Ms XXXX an opportunity to cure the error or state why she was unable or unwilling to do as required by my correspondence and law that she relied on for not doing so along with a second negotiable instrument toward the total satisfaction of the debt. I gave Ms XXXX ten days to respond, she did not respond to the notary. Ms XXXX and XXXX XXXX XXXX XXXX after receiving both the first and second mailings did not cure their dishonor, did not send a notice stating that they did not receive the mailings or that they needed more time nor did they send a notice of dishonor from a qualified party excusing their refusal. I then sent a Notice of Default to Ms. XXXX and XXXX XXXX XXXX XXXX through the Notary Public in regards to the matter and gave them an opportunity within ten days to do as required by the first correspondence or state a reason why they failed to do so. Again, they failed to respond. A final correspondence was sent to XXXX XXXX and XXXX XXXX XXXX XXXX in the form of a Confirmation Letter as well as all of the previous correspondences. The law states that one must respond to a business letter when it is received in a reasonable time and if not the recipient of this letter is forced to adopt the declarations made in that letter. A negotiable instrument once presented towards the complete discharge of an obligation must be accepted and if not a notice of dishonor must be sent to the sender giving the sender an opportunity to correct their error. Ms XXXX and XXXX XXXX XXXX XXXX did not respond in regards the negotiable instrument ( s ) they received towards the complete satisfaction of the debt. By law the debt is discharged. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of many laws mainly those of the Fair Debt Collection Practices Act that oversees the conduct of debt collectors of which XXXX XXXX XXXX XXXX claims to be publicly. The entire process I have recounted is evidenced by Notary Public and under seal. The agreement reached between XXXX XXXX XXXX and the debtor on file is made under full commercial liability and witnessed not only by the aforementioned Notary Public but the United States Postal Service as well as a United States Government Official who will is named in the correspondences pertaining to this matter. If any claims that the balance on the account referenced by # XXXX is anything other than XXXX and that it is not closed please forward the email, letter, fax etc to me as this is evidence of violations to the Fair Debt Collections Practices Act and subject to fines.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I had raised a CFPB complaint for final disclosure documents, complain id : XXXX. I was only offered partial documents at the time. There were 3 loans that needed the final disclosure documents and only 2 were provided. I need the 3rd document. I have been waiting for over a year now for the third document but still have not received it.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
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 purchased some XXXX XXXX XXXX from XXXX XXXX ID : XXXX in XXXX the item came with a missing part and the product would fall out of my ear. I returned the item back to XXXX on XX/XX/20 as instructed with their return label and XXXX tracking # XXXX. XXXX received the package on XX/XX/20 and never issued a refund. After numerous attempts in contacting XXXX I was getting the run around and never received a refund. I started a dispute with my credit card company Discover in XXXX. In mid XXXX I was informed by discover the tracking receipt I provided was not sufficient prior to that I was not notified that they needed additional information. I then reached out to Discover dispute customer service department were I was asked to provide a XXXX confirmation document, I did that, then I was asked that I needed to get XXXX on the phone line, I did that., at that time someone from XXXX XXXX on a recorded line from Discover and spoke with the agent and confirmed that XXXX XXXX the package and they did not understand why a credit was not issued. Discover credit card agent stated he had enough information to re open the case and if I have not received a credit in 3 days that Discover will issue a final credit and close the case. It has been several weeks the credit was not issued from XXXX and Discover is now asking for me to upload the document stating that XXXX would issue a credit, I uploaded the email to get Discover agent to say it was not enough. I am out {$240.00} no money no merchandise and a credit card company that is proving terrible customer service. I have had to do all the work for Discover so I can continue to get the run around from both companies. This is terrible customer service from Discover and a failure to protect the consumer from XXXX and their inability to refund clients. Discover has continuously provided misleading expectations and purposely has failed to protect my rights.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.
Company Response:
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: when i open my account i have Problem with credit limit what they give me i have high Credit sore and theyt lie to me
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Discover Credit Card. I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for accounts. When I explained my situation, Discover Customer Service Representative Supervisor, XXXX from XXXX, said there were no late payment marks in their system. In fact, my account is all clear and I had a " remarkable credit history '' with the Discover account. XXXX said he immediately notified all credit bureaus of this mistake and sent an off-cycle report to confirm that my account is incorrectly marked on all XXXX of my credit bureau 's reports for the late payment of XX/XX/2020. I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I would like to have the case reconsidered and remove the negative mark and clear and make current my accounts on the credit reports.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I transferred {$170000.00} from my XXXX XXXX account to discover bank account on XX/XX/2020. I received an email from discover saying the funds have been transferred successfully and will be available on XX/XX/2020. When I checked the discover account, the money had been reversed for some reason but the money never made it back to my XXXX XXXX account. I have spoken to multiple people at both XXXX and discover without any results. All I know is that the money left my XXXX XXXX account and was electronically transferred to discover bank account on XX/XX/XXXX. Discover bank is telling me they never received the money. XXXX XXXX never received a notification that the money was being sent back. It has already been two weeks and discover has not settled this matter to my satisfaction. Either discover has stolen the money or it has been grossly mishandled. Either way, it is not acceptable. I need the money returned to my XXXX XXXX account without delay. Thank you.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A