Date Received: 2020-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I HAVE SENT A NUMEROUS REQUESTS, ASKING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM VICTIM OF AN IDENTITY THEFT REPORT. THS ACCOUNT AND THE CHARGES DONT BELONG TO ME. SOMEONE STOLE MY INFORMATION THEY HACKED INTO MY MAIL BOX, MY EMAIL WAS ALSO HACKED. BEING A VICTIM I HAVE NO IDEA HOW ELSE TO SAY THAT THIS ACCOUNT IS NOT MINE.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NUMEROUS TIMES I HAVE REACHED OUT TO XXXX AND TO XXXX IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX AND XXXX NEEDS TO BE REMOVED IMMEDIATELY.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover Card was obtained but I had no knowledge of it and the card was used for {$2000.00} in the year 2016 since then I am trying to remove that account first it was not mine second really huge impact on my credit which kept me from getting a card or renting a house
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have been a Discover Card holder since XXXX. I have never had ANY problems with my account. I was never delinquent, never late, never had big spending, not a single red flag. Three days ago, as usual, I tried to log into my Discover Card online account in order to make a payment ( to avoid being late on my payment, I mailed out a check by snail mail ). Suddenly, a window popped up saying that due to some concerns with my account, my access was blocked and I needed to call the toll free number on the screen. I called that number, and I was told that Discover allegedly sent out a letter in the mail requesting that I verify my address. I assured them that I never received anything like that in the mail. Then another representative got on the phone and corrected that I should have received an email. At that time I checked my emails again and didn't find anything. So I requested that they re-send me that. When I received the 2nd email, I realized that Discover is asking me to sign the IRS Tax for 4506T to obtain my tax return transcripts for the years XXXX and XXXX. and if I did not comply, they would close my account on XX/XX/XXXX. This came as a shock to me. I called Discover again and demanded an explanation as to the fact that there are many other ways to verify a person 's address, why do it via taxes. I asked the rep. if this very clause is found in my card terms and conditions, to which he responded, that he wasn't sure about that, just that they are allowed to verify person 's information by whichever means they deem necessary. I requested that Discover sent me my Card Agreement Terms and Conditions again since I did not keep the one from XXXX. I wondered why they needed my XXXX and XXXX returns? This is an odd request, unrelated to anything, and a breach of a person 's privacy. The representative tried to explain that IRS keeps the most up to date address. I told the rep. what more proof of address would there be if I receive my paper billing statements in my address and I never missed a payment, and I never did anything to trigger such inquiry into my private tax returns, I did not apply for new account, I didn't request to increase my credit limit, I didn't have large purchases, I didn't have anything but to pay my remaining balance, and always more than the minimum payment. I told the rep. that I did not feel comfortable sharing my private tax information with Discover or any other credit card, and I was not willing to authorize Discover to request my private tax returns for XXXX just to verify my address. To make matters worse, Discover uses XXXX to run that inquiry ( after all what we went through with XXXX data breach ). Taxes happen to be a very confidential information to share with a any credit card company for a good credit standing that I maintained with Discover since XXXX. And it is my right to refuse it. However, they threaten to close my account, which will impact my credit rating. I called an attorney to discuss this matter, and the attorney was equally surprised by this unusual request. I intend to hire an attorney for this illegal and unfair business practices by Discover.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It appears to be a Discover Credit Card under my social with a balance of {$6600.00}. Account details : Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Date Updated : XX/XX/XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX Credit Limit : Credit limit of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8500.00} from XX/XX/XXXX to XX/XX/XXXX
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Closed my account For no reason, Im not even know.
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was approved online by Discover card before I left for vacation I. late XXXX, maybe theXX/XX/XXXX or so. The inquiry on my credit report says XX/XX/20. When I didn't receive my card on time I called to find out if I could get my card information over the phone.They said no and I questioned their policy. Once the customer service supervisor realized that I was a XXXX man trying to get credit card information I was already approved for it immediately raised a flag and they began treating me differently. They told me I had to go through a verification process and the card that was already sent out for use would be suspended pending verification from the IRS. I asked what verification they needed because I could provide my own information and they told me they could not tell me what information about MYSELF they were seeking. I made a complaint with customer service twice. They then told me that all customers were subject to this process but not all customers experienced this process. I was confused at how I had managed to be subject to such a process without ever using credit with Discover and I did not even have the card yet. When the card came I had arrived back home in Georgia. Shortly after I received a notice via email that my approval had been revoked for lack of information from the IRS, I then received a letter from the IRS about a request from Discover that they could not provide without my consent. As of now, I am confuse and believe my initial call to request my information and the fact that the customers guessed that I was a XXXX man and I was discriminated against.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A