Date Received: 2020-05-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: By my estimation, 99 % of my debts were paid off in XXXX, yet XXXX is reporting a low FICO score for me of only XXXX because it says that I am using 69 % of my available credit. I am using probably less than 1 % of my available credit due to having paid all of my debts off in XXXX with a divorce settlement. I need my FICO score to be higher so that I can get a better mortgage loan to buy a condo. My home of 33 years was recently sold, so I am " homeless '', so to speak. This is a very important issue for me as a single woman. XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: When my mom passed away in 2014, I had to travel to XXXX. I had left some family members in my home to watch over my children not thinking otherwise with our bedroom open and all of my credit cards in one of my bags. One of them ended up using my credit card, basically stealing thousands from me. I reported it to discover but it was too late. We managed to lower the payment from a little over {$9000.00} to {$4500.00}. As I was ready to make the payment, they told me they will not accept the payment and that they have filed a 1099-C.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Name of Company that reported the item : Discover Fincl SVC XXXX Partial Account Number : XXXX Reason For Dispute : Is below To whom it may concern : This letters intention is to provide the full story of the charge/erroneous missed payments in question from Discover Card, which is currently on my credit report that you are holding. This original charge was from a motel room that was placed on my Discover Card. The Motel was XXXX XXXX XXXXy XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). They were apparently running a scam, because the pictures that are up online look very clean and nice of the complex and of the rooms, but then in person the rooms are completely filthy, trashed, and very worn out and old. There are even very shady people hanging around asking us to buy some drugs, which made us feel very uncomfortable and not safe. You can see how these rooms looked from the pictures that I provided. Also, the locks on the front doors didnt even work. Every time we needed to get into the rooms, we had to call an attendant to come use a key to unlock them and let us in. It took the attendant about thirty minutes to show up. There is video footage demonstrating it, but since your website didnt have an option for me to upload video footage, I took still shots from the video showing an attendant having to unlock our front door with an actual key for a lock. So needless to say after only spending a few hours there, we came to the conclusion that these rooms are completely inhabitable. Nor did we have the time to keep having to call an attendant to come let us into the room. So we didnt even stay one single night and left and had to get an extremely expensive alternate room last second somewhere else. This costed us a lot of time, since we were on a film shoot. Which ended up making us not complete the film shoot and costed us thousands of dollars. But I am not asking for any restitution, but only for this erroneous charge/missed payment history to be taken off my credit report. Furthermore, I contacted Discover Card and told them not to pay the Motel, because they are listing false advertisements on the internet. Plus, I sent in all the pictures and all the proof that demonstrates this. This was a no brainer to me, but for them they wanted to send the Motel the payment and charge me for it. I attempted to open a dispute with them and talked with several managers, and they still would not budge for some reason. So I closed out the account and said Im sorry I cant pay for rooms that were un-useable, and were falsely advertised for. So, by them saying these payments are delinquent is false as well. They can only be missed payments, if the account is still open and active. I paid off my remaining balance and closed out the account. They cant say Im missing payments, when the account is closed and not useable anymore. This negative on my credit report is now causing me to not be able to acquire a very important home loan, so I am asking you to please remove it from my credit report. I have provided proof that the charge should have never been rendered and that these shouldnt even be classified as late payments, since the account is closed. It should be classified as a standing balance if anything. Thanks for your time and please let me know if I can provide anything else to you. Enclosed proof : 7 pictures of the actual rooms, I have a video file of the attendant having to come manually unlock the front door ; however, it will not allow me to upload it. So I attached 6 still pictures of the video of the attendant having to unlock the door, 3 pictures of the rooms and complex that they showcase on the internet. Sincerely, XXXX XXXX XX/XX/2019
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
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: Due to the corona virus I was not able to make my monthly payment on my credit card. Discover Card put a negative mark on my credit report. I made a hardship agreement with them and they told me no negative marks would go on my credit. Well it did. Want it removed due to the sisuaction going on in the world at this time. And I set up a withdrawal every XXXX of the month.
Company Response:
State: MA
Zip: 01821
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX XXXX XXXX at a XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) of life insurance policies in our book of business ( including my own ). This morning, XX/XX/2020, I processed two policy loan disbursements against the cash value of two of my own life insurance policies. I used the mobile deposit feature of Discover Bank 's mobile app to deposit the two checks into my Discover Checking account ( a process I have completed at XXXX XXXX XXXX without fanfare many times in the past ). A few hours later I received an email from Discover stating I needed to contact them immediately regarding " unusual activity on [ my ] account '' and that they had frozen my accounts. After being hung up on, I called back. The second person asked for my full social security number, which I refused to provide ( the first person did not need this information - nor did anyone else I subsequently spoke to ). I was abruptly and rudely transferred to the 'front office ' by the second rep. Eventually, I was put in contact with a specialist, XXXX. Not sure what department she was in or what she 'specializes ' in because she didn't seem to think it was prudent to identify herself. For whatever reason ... After some two factor authentication and a bit of back and forth, XXXX advises my accounts ( both checking and savings ) have been frozen for 10 days to make sure the checks clear. This makes absolutely no sense at all. I can understand putting a hold on the funds I deposited or only making part of those funds available ( the mobile deposit feature even notifies you that only a part of the deposited funds will be immediately available ). Sensible enough. However, I can not understand why Discover Bank would think it was even remotely acceptable to freeze both my checking and savings accounts for 10 business days - two full weeks from today. I gave XXXX the check numbers and account information for XXXX XXXX XXXX, where funds are distributed for XXXX XXXX XXXX XXXX XXXX life policies. She said she would call XXXX XXXX XXXX and verify the checks to unfreeze my account. She said she would call me back no later that XXXX Central Time. I never received a call back. I have no access to my money. How am I supposed to pay bills? How am I supposed to buy groceries? How am I supposed to put gas in my car?
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: i got a letter in the mail from discover, and XXXX offering me a balance transfer as far back as XX/XX/XXXX from discover and thay made this offer up till XX/XX/XXXX and XXXX sent me balance transfer offers from XX/XX/XXXX to XX/XX/XXXX and now thay wont offer any balance trans fers at all i just got my balance pay, d off with discover on XX/XX/XXXX and i wanted to see if i could use a balance transfer and now all the banks are not doing balance transfers i was going to ask if you can make the banks make the balance transfer offer longer becuse by the time i got my balance pay, d off then the offer was gone and thay tell me when i called discover that thay dont know when i will get another balance transfer offer can you ask them to make the offers last atlest 6 to 12 months any thing better then 2 months witch thay gave me
Company Response:
State: FL
Zip: 32539
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
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 don't see late remark on payment history and payment status is current I do not know why this account is closed. Please help. DISCOVERBANK XXXX
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
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: On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX and was unsuccessful. I received communication from XXXX attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A