Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Discover Bank, is furnishing inaccurate and incorrect information to the consumer reporting agencies. The account reporting inaccurately is Account # XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general style of living and my ability to obtain any type of credit for personal and/or household purposes. The inaccurate information they have reported has negatively impacted and affected my ability to sustain my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; responsibility Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something The term person is defined in 18 U.S.C. 2510 ( 6 ) to mean any individual person as well as natural and legal entities. As defined by The IRS : Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact, makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off account is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says Discover Bank , is a furnisher of information to a consumer reporting agency. They ARE PROHIBITED BY LAW to furnish inaccurate information. I demanded them to Cease and Desist the reporting of this incorrect/inaccurate information immediately, and they have failed to do so. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reasonable cause to believe means a basis for belief in the existence of facts which, in view of the circumstances under and purposes for which the standard is applied, is substantial, objective, and sufficient to satisfy applicable constitutional requirements. They signed for and received my certified letter on XX/XX/XXXX, and was already put on NOTICE that they were furnishing incorrect inaccurate information. The lender must file Form 1099-C, and send the consumer a copy if the amount of debt canceled is {$600.00} or more, and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1. Chapter 1 states : 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The above paragraph is taken directly from the IRS XXXX Publication. Under section : Statements to Debtors, it states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. They once again failed to send me my FORM 1099-C that they should have sent when they filed the account as a canceled debt. My address was listed on the letter! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and them, and they have been put on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. They have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer Report. They have 10 Calendar Days to DELETE THIS ACCONT FROM MY CONSUMER REPORTS!
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I opened an account/tradeline with Discover in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Payment history for account/tradelines persist in credit files for at least XXXX ( XXXX ) years. Failing to report positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. With the onset of the pandemic, I have disputed my payment history through the CRAs for my Discover account/tradeline for specific months since the onset of the pandemic and have observed years of prior payment history removed as part of that process. Such processes unfairly disadvantage those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. Whatever Discover is doing seems outright discriminatory. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of XXXX and Discover is failing to meet its obligations under 15 U.S. Code 1681s2 for my account.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX a financial institution XXXX definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX financial institution and XXXX Consumer reporting agencies XXXX, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, XXXX, ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX it be verbal XXXX non-verbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX never XXXX XXXX XXXX my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also 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 by more than XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Discover is furnishing information for an account to XXXX and XXXX that is false/misleading/inaccurate, yet continues to " verify '' information is " accurate as reported '' to both to XXXX and XXXX. At this point Discover knows or should know the information is inchoate because it contains multiple periods over which the account was alleged charged-off, to include periods which the account was paid as agreed ( see account/tradeline as reported by XXXX in attached file XXXX XXXX '' ). The account/tradeline as reported by XXXX and XXXX exhibit the same inconsistencies and thus it seems Discover has padded information to fit an alleged charge-off event on or around XX/XX/XXXX or XX/XX/XXXX ( see attached " XXXX '' ). In a XXXX XX/XX/XXXX response to CFPB complaint XXXX Discover alleges the event took place in XX/XX/XXXX, while its own system alleges a charge-off took place in early XX/XX/XXXX AFTER taking a payment that would have prevented the alleged charge-off from occurring ( see attached " discover_dispute_claims_with_docs.pdf '' ) Thus, Discover appears to be violating its responsibilities under 15 U.S. Code 1681s2 by furnishing information it knows or has reasonable cause to believe is inaccurate. Unfortunately, the CRAs have been all too willing to accept the inaccurate information and claim they have met their own responsibilities under 15 U.S. Code 1681, et. seq. when the account/tradeline is not being reported with maximum possible accuracy as required under 15 U.S. Code 1681e.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX and XXXX of XXXX we had several charges post to our account from XXXX who is a processing service for vendors in XXXX. At the time we were just starting our business and had lots of charges posting to several accounts in order to get our store up and running. Amongst the Chaos we must have approved in error a text asking for authorization on our Discover card from XXXX we thought it was for something else we were ordering for the store. Upon receiving our paper statements and reviewing them we realized we were charged over XXXX Dollars for several unauthorized charges to our account. We immediately disputed all the charges in question with Discover. The reacted quickly and issued a new card number for us and labeled all the charges in question as fraud and they were removed from our account in XXXX and XXXX of XXXX. Then in XXXX of XXXX Discover received evidence from the vendor that they shipped us XXXX packages trying to validate the charges in question. We explained to discover that yes this merchant did do that but these were non items of value, 100 % not ordered by us or authorized and we rejected the shipments by XXXX and disputed the Import and Duty taxes by XXXX from this vendor as well. Discover in shock to us re instated the charges and re billed our account. We contacted the executive team at Discover in XXXX of XXXX assuring them we had give zero approval for these charges, that our card was in our possession 100 % of the time when this took place and this was a scheme and 100 % fraud. We explained to them about the rejected shipments to our billing address and how we were also disputing the duty and import charges with XXXX. The asked us to mail in and email all documents we had in regards to this case. We did that XX/XX/XXXX and faxed all information to XXXX at XXXX Ref # XXXX. We told the rep over the phone that in good faith we will continue to make the min payment due on the account so our credit rating was in good standing until the issue was resolved. She confirmed that was a good idea. Fast forward to XX/XX/XXXX we have received zero response to this matter by Discover. Our account has not been corrected for the fraudulent charges and we continue to make payments and are getting charge monthly interest for unauthorized fraudulent charges.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2023-10-24
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit status is verified which showed me some that were not done which were the following XXXX XXXX a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Discover Financer XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: PR
Zip: 007XX
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: 2023-10-23
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 am writing to provide further details regarding Discover Card 's handling of my dispute concerning charges associated with the merchant, XXXX. The core issue extends beyond the disputed charges ; it is about Discover Card 's inconsistent communication, evasion of direct questions, and lack of transparency throughout the process. Summary of Discover Card 's Inadequacies in Handling My Dispute : Evasion and Deflection : Throughout my interactions, Discover Card consistently dodged direct questions, often changing the subject or providing generic responses that did not address the specific issues raised. This approach is not only unprofessional but also undermines the trustworthiness of the institution. Contradictory Statements Regarding Merchant Response : A glaring inconsistency arose when an employee from Discover Card indicated that they had received a response from XXXX concerning the dispute. However, a subsequent conversation with a Discover Card manager revealed that they had not received any such response. This contradiction is pivotal, as their initial claim was a significant basis for their preliminary decision. Failure to Address Key Points in My Evidence : I furnished Discover Card with a robust collection of evidence to support my claims, including voice recordings of conversations that highlight Discover Card 's inconsistent and contradictory responses. Despite presenting this evidence, Discover Card failed to adequately address or refute the points raised, essentially overlooking the crux of my complaint. Absence of Evidence from XXXX : While I provided a wealth of evidence supporting my position, XXXX has not presented any documentation or evidence to counter my claims. Despite this lack of counter-evidence, Discover Card 's decision seemed to unduly favor the merchant. Core Concerns with Discover Card 's Handling of the Dispute : Evasive Conduct : Throughout the dispute resolution process, rather than addressing my concerns head-on, Discover Card resorted to evasive tactics, sidestepping key issues, and failing to provide clear answers. Their approach not only lacked professionalism but also frustrated the resolution process. Dodging Responsibility : Despite presenting a wealth of evidence to support my claims, Discover Card exhibited an inclination to shirk responsibility. Instead of examining the evidence objectively, they seemingly sought ways to absolve themselves of any obligation to rectify the situation. Breach of Contractual Obligation : As a credit card company, Discover Card has a contractual obligation to act in the best interests of their customers, particularly in shielding them from potential frauds. Their handling of my dispute clearly demonstrates a lapse in this duty, exposing me to financial harm and undue distress. Misrepresentation of Merchant Response : A pivotal inconsistency arose in their communications. I was initially informed that a response had been received from XXXX. However, upon escalation and further probing, it became evident from a manager at Discover Card that no such response was ever received from the merchant. This blatant contradiction calls into question Discover Card 's transparency and integrity in the dispute resolution process. Now I am providing concrete evidence that Discover Custtomer Service lie about they received response from merchant while they did NOT receive anything, it was not my words, it was Discover Manager 's word. and here is the recording of the conversation XXXX XXXX XXXX XXXX and this is the XXXX XXXX XXXX complaints that this merchant received and you can clearly see it was a scam business using the exact same patented fraudulent tactic on everyone XXXX XXXX XXXXXXXX Given the outlined issues, I urge the CFPB to : Conduct a deeper investigation into the inconsistent and evasive actions of Discover Card. Ensure that financial institutions provide clear, consistent, and transparent communication to their consumers, especially when disputes are concerned. Direct Discover Card to furnish a clear and specific response that addresses each point of contention, rather than offering generic or evasive replies. Thank you for your dedication to protecting the rights and interests of consumers. I trust that the CFPB will address this matter with the seriousness and diligence it warrants.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX I had a XXXX for Discover in 2022. The account was closed XX/XX/2022 because I never used the card. I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX states otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX XXXX otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A