Date Received: 2020-04-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I took out a Discover Student Loan to cover the additional cost of my education, especially when I transferred schools. The relationship started to sour 2 years ago, they stopped sending me billing statements. For 3 months, I had to call and harangue them about sending me statements, which every month they said they would send me a copy and correct the problem. It wasn't until I threaten to report them, did I start getting them regularly. As COVID-19 began ramping up, I contacted Discover Student Loans to find out whether or not it was possible to pay off my loan balance with a settlement offer. While I understood that it wasn't their policy, I wanted to understand what were some of my options. My questions were met with hostility. A week later my billing statement increased by {$100.00}. As I said to their customer representatives, anytime there was an adjustment to my account, I received a letter before the change - this time it seemed retaliatory for my previous complaint. I explained that I have never been late, I always pay more than the minimum amount and have all my previous emails and bills going back a year. One representative said he saw in her a computer that my bill did go from {$350.00} to {$460.00}, but was unable to explain it. He said he would send out an investigation report and they would give me a call back in 2-3 days. A week later, I called again with the same complaint and again the representative saw my complaint and looked into it with another team member and was unable to explain why it happened. When they transferred me to a supervisor, the records that had once showed that my payments were {$350.00} for over a year, MAGICALLY disappeared and they SUDDENLY had records showing that my minimum payment was always {$460.00} going back to 2012!! I was incensed - and I wanted an answer immediately. Again, I was told my another supervisor that I would be called in a few days. Those days have passed and I still have no answer and I have a bill {$100.00} higher and with no explanation of why -- in the middle of a pandemic! If their loan practices aren't illegal, it most certainly is unethical. I shudder to think of young college students at the mercy of their predatory hands. Now I am filing this complaint. NEVER, EVER take out a Discover Student Loan! They are horrible to work with and it's impossible to get rid of.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of 2019, Discover reported on my credit profile a late payment of 30 days. This account was set up on autopay and there was an issue with the auto pay in XXXX. On XX/XX/XXXX I got an email from Discover saying they've received my payment. Discover did not alert me that there was an issue with the payment in a timely fashion. The next email I received from Discover was in XX/XX/XXXX or XXXX alerting me to a problem. As soon as Discover informed me autopay did not go through properly, I immediately corrected the problem and paid the balance down to {$0.00}. This is not enough time to properly inform me, the consumer, that there is any issue that needs to be resolved. I was under the impression that autopay was going through as intended. I contacted Discover recently who told me that I was not late and I have chat logs to prove this. They advised me to contact the credit bureaus to dispute this. I did this and Discover told them it was reporting accurately, even though they told me it was not reporting accurately and that there was no 30 day late payment. I have been a good customer with Discover and pay my bill on time every month, usually for more than the minimum due, and frequently pay the balance in full. I want to be treated like a valuable customer and not like a deadbeat because of an issue that Discover could have easily prevented if they had notified me properly of any problems. This oversight from Discover has caused my credit score to dip drastically and increased interest rates when using credit.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is what they are telling me to do after having the card for 3 years no missed payment or anything. Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review Documents ' link below to provide consent via IRS Form 4506-T. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed in 14 days if you are unable to provide the requested consent. Please follow the steps below : Upon clicking the link, you will be prompted to enter an Access Code. The Access Code is the 5-digit zip code on file with your Discover card account, followed by the last 4 digits of your Social Security Number ( SSN ). If you use an Employer Identification number ( EIN ) for your Discover card account, the Access Code is the entity 's 5-digit zip code on file with your Discover card account, followed by the last 4 digits of the EIN. To complete the form, you must provide your e-signature. If applicable, complete line item 4. Please allow 5-7 days for Discover to receive and process the IRS documentation. Discover will contact you in writing to advise of completion of review of your account. For questions or if any information on your 4506-T is incorrect, please contact Discover Customer Protection Services directly at XXXX, or call the phone number on the back of your card. The team is available Monday through Friday, from XXXX-XXXX Eastern Time, and Saturday XXXX-XXXX Eastern Time. We appreciate your prompt attention and cooperation. Sincerely, Discover Financial Services
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2020 I legally changed my last name. I submitted the needed documentation to Discover, and they have not done anything to update the information. They responded that I needed to submit the documentation in order to make the change, which I did in my subsequent correspondence. They are yet to update my name in their system.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have multiple students with Discover, I believe that I have overpaid all of them due to excessive inexplicable interest charges. I first complained about excessive interest in the spring of 2019 after several lump payments I made didn't affect how much of my payment was going to interest. I called to complain about this issue again in the fall of 2019 as my minimum payment due was not going down after several lump payments. I was re-assured that it would be re-calculated at the end of the quarter, and it was. I called Discover on the first week of XXXX to understand why I paid $ XXXX in interest in 2019 instead of the max possible $ XXXX, and could not get a answer to my question. After examining my statement for the month of XXXX, I discovered that I was being charged extra in interest. I called Discover continuously to have someone explain the extra charges. Everyone I spoke with, including a supervisor, agree to the amount I should be charged {$10.00} based on their ( and my ) calculations but could not offer an explanation for why I was actually charged {$34.00}. They usually end with something along the lines of " the computer does the calculations and it doesn't make mistakes. '' I wanted to know what " the computer '' was doing differently and have called Discover multiples times per day over the past two weeks on this issue. Eventually, I requested my payment history for all my loans, statement history and origination letter and decided to compute my loan history based on the terms of the loan. I realized that Discover owed me significantly for each loan and since then have been practically avoiding having a meaning conversation about it when I call. I get moved from rep to rep. I get told to review the documents carefully etc. Attached are two documents for the calculations of one of the loans : one that matches my payment history and another that shows the interest computations daily. You can see that the bank currently owes me {$1300.00}.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: They advertise that they are helping their customers affected by the Covid 19 crisis, but they in fact are not really helping at all. I inquired about what that " help '' means and they explained that I can skip a payment, but will be charged interest. Well, this contradicts itself because it is in fact a profit for them. And this interest charge is what happens if you miss a payment in any regular day scenario. So no different options being offered to customers due to the current situation. And the only thing they said they don`t charge is the late fee. But they still charge interest, which I find to be not helpful at all. I would rather pay my balance than being charged more for being late, which is like I previously mentioned the case anyway.
Company Response:
State: IL
Zip: 60007
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX in the meantime.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. I have also contacted XXXX but they did not receive any money from discover.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A