Date Received: 2020-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2019. {$1400.00}. Negligence of car repair services and cancelled check has prevented me from working and paying my rent and my water bill and my charge card. My employers check bounced due to insufficient funds. As a result, I have been losing my comfort zone and my prospects due to stressful environments.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/ contacted Discover They are willing to defer payments due to virus but are still charging an outrageous interest amount and arent willing to remove it. I have another credit card that is doing both. These are the only two credit cards I have. Discover is taking advantage of people with no income by charging outrageous interest rates during this crisis!
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit score is lower then should be due to " too many inquiries '' per XXXX XXXX : I see that Discover financial inquired on my credit report on XXXX XXXX, 2019 : this inquiry is improper as no reason to inquire. I request to investigate and remove that inquiry from my report.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts
Company Response:
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have tried to open up an online savings account with discover bank. I am getting a job in a few days and needed it to save money. I have tried since XX/XX/XXXX. They never emailed me back. I called 2 weeks ago and say one up and finally got it opened. It was opened for 1 day and then closed due to a business decision. I don't want this to affect me in any way. All I was trying to do us open an account. After calling the discover bank number they told me they couldn't give me any info but they I could reopen another application. I am not happy with them as all it is is a simple account. I didn't even get to transfer any money into it.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
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: The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. The third time, they didnt answer. That was on me since I didnt check the hours. The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?
Company Response:
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: It states on my credit report that the account is closed but it is still reporting negative payments. It states that there are XXXX charge offs on this account! XXXX is still reporting negative inaccurate information. The account is closed so how is that fair they get to keep reporting negative charge offs? It is still reporting as of XX/XX/2020. Its written off and still reporting negative.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discover Card is showing that I owe XXXX dollars on my credit report, but they filled a XXXX cancellation of debt in XX/XX/XXXX for the XXXX tax year on this. They cancelled the debt so it needs to be zero 'd out on my credit report.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
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've had Discover Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the Discover and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and XXXX did not update my account correctly.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A