Date Received: 2020-09-11
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: You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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 have gone back and forth with Discover card since XX/XX/XXXX regarding a dispute for a gym manager that I can not use. They favor the merchant over the customer after plenty of supporting documentation was provided.
Company Response:
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and Discover bank XX/XX/XXXX these inquires were not made by me and need to be removed
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
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 have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving 4 to 5 calls a day from Discover Finance, XXXX XXXX, for several months. They obviously have my name confused with someone else because I am current on all bills with a credit score of XXXX. I refuse to talk to them to correct their mistake.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2020 XXXX, ( I ) transacted an online sale involving, " XXXX '' and utilized my " XXXX credit card account '' ( " XXXX '' XXXX to pay for the transaction. Two charges were applied to XXXX, first charge for {$98.00} and second charge for {$49.00}. Merchant failed to fulfill order and order was cancelled. Even though order was cancelled XXXX failed to refund charges to XXXX for both charges. Concomitantly, I opened a dispute for both charges through XXXX XXXX XXXX case # XXXX, {$49.00} and case # XXXX, {$98.00} ). I provided adequate details for my dispute and provided documentation in support of my dispute. However, XXXX initiated a credit for only one of two charges. Therefore, I am asking XXXX to initiate credit for both charges and credit the {$49.00} with {$98.00}, since charges are conterminously together.
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity has been compromised cc where open without my consent
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Since XX/XX/XXXX when I opened my account, Discover Card has been charging my account for a payment protection plan which was unauthorized. I was charged over {$1600.00} not including interest for this fee. When I called to inquiry about this fee I was told that I signed up for it in XXXX when I opened the account and they would only refund me {$360.00}. They also said they give its customers 30 days to review and dispute charges. I take responsibility for not viewing my statements as I should, but just because I didnt review my statements it doesn't make these charges legitimate. When I checked my statements, I noticed it only goes back as far as XX/XX/XXXX and it was opened in XX/XX/XXXX ( 1 year 5 month difference ). I think that is weird because I have another credit card and it shows my statements from when I opened the card in XXXX and I had that card 2 years longer than the Discover Card. I researched it to see if others were having the same issues and they were! Many people are saying that Discover placed this payment protection plan on their account without their authorization. So, I reached out to Discovers Executive Office on XX/XX/XXXX and XXXX was my case worker. I explained everything to him and he said he would get back to me within a week. He called back on XX/XX/XXXX ( a little over 2 weeks from when I called ) and said that I did sign up for the payment protection plan when I opened the card, the charge was on my statements, and I was sent a yearly newsletter ( separate from the statements ) reminding me of the charge. I didn't recall seeing any newsletter, so I asked him when was the last time I received it and he said XX/XX/XXXX. My response was send me a copy of the newsletter I was sent in XXXX ( 6 months ago ) and something showing that I signed up for this in XXXX. He replied that he could not because that was a long time ago and his records dont go back that far! So, I said since you cant show me then who can, he said no one! So if you could see I signed up for it in XXXX and that I received a yearly newsletter in XX/XX/XXXX, how you cant show it to me when you just said you seen it. Im not just going to take your word for it. He kept going back to the statements. But, he even admitted that he dont check his statements. Furthermore, it being on the statement doesnt mean that I signed up for it. They cant prove I signed up for it. I did a XXXX claim ( # XXXX ) and XXXX was assigned as the case worker. I asked him for proof that I signed up for this charge, and he ignored my request. I want a FULL refund.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A