Date Received: 2020-06-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: As the world was heading into a recession back in the early XXXX 's, my family and I found ourselves in a bind. My husband was laid off from work two days after we found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We had large XXXX bills due and insurance premiums due to XXXX, no income from my husband and I was working part time. We used credit cards to survive. I tried several times to set up payment plans with Discover card, we even had paid for the insurance in case you lose your job, and no assistance was given. After a while, Discover claimed our account, which was less than {$3000.00} was closed and they no longer can assist us. Fast forward to XXXX and out of nowhere we get a hit to our bank account taking everything that was in there. After talking to the bank, we finally got information that the XXXX XXXX XXXX had gotten a levy on our bank account. I called their offices in XXXX of XXXX, to see what was going on. I spoke to XXXX ( ext XXXX XXXX, who literally told me I had to pay {$600.00} a month for 12 months or a lump sum, there were no other options. I mentioned to him that I do not recall even getting a notice regarding this, supposedly they were able to get a judgement and the account was also about 8 years old already ... He assured me that they do a one-time " hit '', take what they can, then close the account. Since then, XXXX XXXX XXXX has attacked our bank accounts a few more times, each time taking a little something, and never sending me any communication on the matter. They did take my son 's savings, which I had to fight to get back a few years ago. As I have looked on the court pages online, I see they got a Judgement on XX/XX/XXXX. I have verified with the courthouse that judgements expire in 10 years, unless renewed. They have not renewed. Also, they tried to take my son 's XXXX Account, this is a blocked trust account, this past XXXX, XXXX ... two years after the last writ was executed ( court said the writ is good for 6 months ), thankfully, my son 's bank stopped them from taking it, but now I see they filed something again on XX/XX/XXXX ... Few issues I have are : 1- they never validated the debt, I asked, they said " don't you have your old bills '' ... 2- the judgement is over 10 years old, no extension filed 3- I don't recall ever getting anything to appear in court 4- they refused any payment plan besides what they wanted, which financially I could not afford {$600.00} a month, I still can't ... 5- they told me they do a one time " hit ' then it's closed, obviously, that was a lie. 6- the last writ of execution was filed XX/XX/XXXX, yet they tried to take funds in XX/XX/XXXX and probably now XX/XX/XXXX. 7- if they got a judgement in XXXX, they literally stalled for years before notifying me, and in that were able to accrue additional interest charges, as I had absolutely no knowledge of this until I went to use my debit card, in a restaurant and found out all the money in the account was gone ( in XXXX!!!!! ), so they accrued 5 years of interest charges basically behind my back. I don't understand how this works, if a person were to commit a crime, they are innocent until proven guilty ... but if your family life is turned upside down, and you rely on credit cards to live ( who also raise your credit limit without permission so you spend more, even though you have called and asked for help to get caught up ), you are made to be guilty until you show up for a court date to prove otherwise, And, the person suing you doesn't even have to prove they notified you ... Collection calls come all the time, it's the same message, nothing is ever explained and they usually threaten you to pay over the phone that instant so they can get their commission. The debt isn't validated and pretty much any scam artist can call pretending to be a collection agency. Then they can file a case against you, knowing you won't know about court, and they will win by default. This is wrong!! The consumer is not protected in any way. Banks get bailouts, major companies can fraud the people, then be forgiven of their debt, and even more, they make tons of money and never pay a dime in taxes ... where is the protection for the people? Why don't we get a fair chance to explain our situation, set up a payment plan and pay what we owe, not additional monies to fatten these collection agencies???!!!
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Discover Card, headquartered XXXX XXXX XXXX XXXX, XXXX, IL XXXX operates in interstate commerce as a debt collector for merchants within interstate commerce, and as such Discover Card/XXXX XXXX CEO fail to comply with the provisions of Fair Debt Collection Practices Act, 15 USC # 1692 -- 1692p. Discover Card does not comply with sections 808 & 809, Discover Card financial relation/ in essence conspiring with merchant XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX involving unauthorized charges of {$50.00} mo. XX/XX/2020 and following. DiscoverCard is similarly involved with other merchants and is not an unbiased third party regarding merchant debt collections.
Company Response:
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I open a new account with Discover card, I was offered a balance tranfer promotion of 14 mo at 0 % ; but was never disclosed a {$69.00} transfer fee. I want the charged removed. I called Discover and was disconnected twice and had to start allover again and was transferred several times and waited for periods of time until I was told someone will call me back, but not sure when (? ). Almost 2 hrs on the phone and no resolution. Throughout the calls and several phone transfers I was told that Discover doesn't refund transfer fees and that they needed to listen to the call, this is a scam and shady business practices. The information on this charge is not disclosed upfront. There was no resolution at all, just pushing me around and on hold for long periods of time.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I OPENED AN ACCOUNT WITH DISCOVER CREDIT CARD AROUND XX/XX/2020. I REQUESTED A BALANCE TRANSFER OF {$8700.00} TO MY CHECKING ACCOUNT AT XXXX. DUE TO THEIR TYPO ERROR, THEY TRANSFERRED THE BALANCE TO ANOTHER ACCOUNT. I CALLED THEM TWICE ON XX/XX/XXXX AND XXXX TO RESOLVED THIS ISSUE AND THEY HASN'T PUT THE DISPUTE UP TODAY.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The Discover it " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how Disover advertises it. I applied for a " SECURED '' discover and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH DISCOVER HOLDS until they feel you are ready for a seucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Collection Company : XXXX XXXX XXXX XXXX. Phone : ( XXXX ) - XXXX - XXXX Address : XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, MN XXXX & XXXX XXXX XXXX XXXX, CA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of XXXX XXXX XXXX XXXX, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by XXXX XXXX XXXX XXXX regarding a debt they currently hold under my SSN. Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. XXXX XXXX XXXX XXXX has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX, MN XXXX & XXXX XXXX XXXX XXXX, CA XXXX Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), who lives in a different time zone and they call him between the hours of XXXX and XXXX XXXX his local time. XXXX XXXX XXXX XXXX is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. XXXX XXXX XXXX XXXX has received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against XXXX XXXX XXXX XXXX in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to XXXX XXXX XXXX XXXX. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records. In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of XXXX XXXX XXXX XXXX in my state. Regarding my concerns, I am requesting a further investigation into XXXX XXXX XXXX XXXX including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against XXXX XXXX XXXX XXXX, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Over the past one-two weeks, we have been receiving over four phone calls a day from Discover Financial at XXXX. When we pick up the phone all we hear is silence. Given who is calling and how they're calling, I assume they are trying to collect a debt via phone harassment. Nobody currently living in this household, using our number, owes any debt to them. I called them and told them to stop but they have not.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s ) have 30 days to look into your dispute, based on the information you provide to it.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Discover Financial ( as listed on the caller ID ) using the number XXXX has repeatedly called my XXXX-year-old grandmother at her phone number multiple times per day every day for the past two weeks to collect my debt. She has told them every time she talks to them not to call her because she is not involved in the matter. Discover financial has my number on file. How did they even get my grandmother 's phone number?
Company Response:
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A