Date Received: 2020-09-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a discover it credit card, it was my first credit card. I had a late minimum payment in XX/XX/2019 due to being inexperienced and never being taught about credit cards.
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I paid off this account but its still showing that I owe a balance. XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. I am a victim of identity theft and I never opened this account. XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. I am a victim of identity theft and I never opened this account. DISCOVERBANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Inquiry from XXXX on XX/XX/XXXX. I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had a card with discover - account showed up on my credit report out of no where.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be placed on my bill again. I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.
Company Response:
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I applied and got approved for a discover credit card account XX/XX/2020, thereafter, upon the company 's request, identity verification documents and forms were requested in order to proceed to open the account. On XX/XX/2020, I faxed the documents which I later found out they were denied because they say the fax documents came back to dark to read. So I decided not to proceed with activating the account. On XX/XX/2020, I recieved a letter from Discover saying that they were unable to successfully complete the application review and process until the verification documents were complete which they failed to do so. On XX/XX/2020 I recieved another letter notifying me that my account has been closed because my personal information was unable to be verified yet instill the account is listed on my XXXX credit report account as active as the account was never even activated. Today, on XX/XX/2020, I called Discover to ask them to remove their account form my report and they told me that it could remain on my credit report for 10 years when usually when a credit report account has been cancelled or closed, the account information is removed immiedately. When this account account was never even activated
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a XXXX credit line with Discover Card. They suddenly lowered the credit line for no reason and no notice shortly after paying them off for no valid reason. This was mainly due to unethical issues with XXXX XXXX sending my ex husband a credit card making him think he was approved for a XXXX card he had recently applied for. Instead they sent him a card under my account as an authorized user but making it look like his own account. It was not time for issuance of new cards and neither I nor XXXX asked for this card. I have complained to the XXXX and they have completely mistrued the issue with replying to the XXXX about XXXX being a authorized user on my Discover Card which had nothing to do with the issue of the credit line decrease because of the authorized user card on my XXXX XXXX account. Either they are illiterate and are totally unable to read or interpret or they are just wasting time and not planning on correcting the issue which had nothing to do with increased spending on my part. Complaints have also been filed with XXXX XXXX.
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX, Discover decided to close my account without warning due to my personal information being incorrect. The information given on the app was not incorrect and was in fact correct. Two weeks before that, my card was locked and when I called Discover the had me fill out a form confirming my information and they said my account will be fine now. Just for in the next weeks, I would get an email saying my account is closed. I was not missing any payments, in fact I was paying more than the app was suggesting to. This closure made a negative effect on my credit score and no one at Discover seems to want to help me or give me the answers I need.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A