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: 08080
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: 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 a loan with DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!
Company Response:
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2020-08-28
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XX/XX/XXXX I made 2 purchases on 2 separate dates from XXXX XXXX XXXX XXXX through XXXX. In XX/XX/XXXX, I received a partial shipment from one order, the order was missing items and even had a note saying they were out of one item and they would refund me. I contacted the seller, then I only received partial items from the second order. Since XX/XX/XXXX I have been contacting the seller at least monthly about these items missing. The seller kept telling me she was taking care of it and aware. XXXX comes around and I message her again, she tells me to contact her assistant. I do as instructed, the assistant tells me she does not handle orders but will remind the owner. Another month or so go by and nothing, I reach out to the assistant again and she tells me that she already reminded the owner and the owner said she is aware and taking care of it. More days go by and I receive no response. Early XXXX, I message both, owner and assistance and express my concerns for the missing items since it has been so long. The owner becomes very defensive and tells me there is no way the missed that many items, and that she even has to sign off on some of them. She refuses to look back through our conversations to help her have a clear picture in her head of what I am talking about. She finally tells me she will look into it and to give her a couple of days. 2 weeks go by and no response, I message them again for an update with no response. I file a dispute with my credit card company Discover card. They validate 2 out of my 4 disputes but have been unhelpful about the two disputes with missing items. She did send some bags, but that does not mean she sent me all the merchandise I paid for which comes out to be about {$1000.00}. While I have always been happy with Discover, they have failed to keep me up to date on status, I've had to call them weekly, then they said those charges were valid on XX/XX/XXXX, I called again on XX/XX/XXXX and the agent sent the cases for supervisor review. Here we are XX/XX/XXXX and no response after calling for follow-ups weekly. On XX/XX/XXXX I requested to speak to a supervisor at Discover and they said no one was available but that someone would call me back within 48 hours- no call as of today XX/XX/XXXX. However, I just received two emails telling me once again the charges were valid. I have provided extensive documentation of my conversations with the seller where she is telling me she is working on it and yet nothing happens, I have even sent them the conversations where the seller becomes hostile towards me for filing the disputes. I have been a long time customer of Discover and it is very concerning that they won't even take the time to call me when I request to speak to a supervisor. This seller just took {$1000.00} of my hard-earned money and I have no support from my credit card company.
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 lost my credit card and there was a purchase made that I did not authorize. the purchase was made on XX/XX/XXXX. Th purchase was made at a jewelry store in XXXX Massachusetts : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX eastern time. The purchase was for a large amount of money and I received a credit monitoring notification a few hours later that my available credit had decreased by a larger amount of money. I called Discover to dispute the purchase and the first person went over all the details with me. The first representative I spoke to was very helpful, she was able to remove the charge and told me that I did not have to file a police report because of the distance from where I live to where the purchase was made. After a few months Discover reattached the charge to my account without explanation. I disputed it many times and the only response I get is that I am responsible for the charge and that the vendor had seen my ID and had sent Discover proof. I have requested the proof from Discover showing that my ID was used at the point of sale. I know that this is impossible because I have been in possession of my card the entire time. I have also submitted proof to discover showing my location around the time that the purchase was made and I also gave them a XXXX maps screenshot that shows the approximate time it would take for me to drive to that store from my house. I have disputed this many times and Discover still has not given me a valid reason as to why they believe that I am responsible for the charge. I have shown them irrefutably that it is impossible for me to have been at the store to provide my ID at the point of sale. Either the vendor is lying about having seen my ID or Discover simply does not care to protect me as a consumer.
Company Response:
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
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: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: i get daily and repeated calls from discover card even though i asked to to stop calling my work place ... they call at least 3 times a day. i have gone into debt consolidation with the slate group and they have also been contacted by slate to let them know about my debt settlement.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
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: 07065
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Attention! Don't open a credit card from XXXX. You are not protected from fraudulent transactions like Visa or MasterCard. Put Discover card in your safe and do not take it out of the house! This terrible company told me that I was using my lost card for {$280.00}. I only see the online status of the dispute, they did not send me any documents. I was informed by them that the company probably has your first and last name, which coincides with the account. Are you seriously? My name and surname on the credit card? Beware of it and open credit cards with well-known international payment systems.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I applied for a HELOC with Discover Home Loans # XXXX on XX/XX/2020. I was told this would only take a couple of weeks and of course it is now XX/XX/2020 and my application is being stalled due to negligent venders and or staff. My current home was originally cosigned by my uncle who passed in XX/XX/2020. We had joint tenancy and upon his death the property reverts back to me ( by the way I am in the state of NJ ). I have already refinanced my first mortgage and closed on XX/XX/2020 in my name only. At the start of the application they were provided with my uncles death certificate. They have also been provided with the new Payoff letter for the old mortgage as well as the new recorded mortgage documents. About a day or two ago I emailed my contact XXXX XXXX to see what is the hold up. Yesterday, he called and explained they were trying to clear liens/judgments on title that may be in the same name as my uncle and needed his SSN and birthday. So i brought it to his attention that the death cert was already provided which plainly stated that information. Then he calls me back to say that now the title company needs my uncle 's will and probate documents. As our title was held in XXXX XXXX, my property is not included in the probate and as I previously mentioned is already back in my name only. I emailed XXXX XXXX to request the contact information for the title company, who clearly doesnt know what they are doing. To which I was emailed that they can not provide me the contact information for the vendor. Excuse me! I am a customer and the title company that is completing a title for my application cant be disclosed to me? At this point I am just livid!!! They need to get it together, consult with their legal team so that someone with some sense can inform them that my property does not need probate and is already out of my uncles name. They need to stop stalling my application and move it along, quickly.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A