Date Received: 2020-03-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: DISCOVER FAILED TO EXTEND CREDIT LINE INCREASE AND HAS BLOCK ME FROM CLOSING MY ACCOUNT ON LINE, REVERSE ALL FEES ETC.AND IS REPORTING AUTHORIZED USERS.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX at approximately XXXX XXXX central. Discover called. My son answered. Did not identify himself. Discover asked if I was there, his answer was " are you collecting a debt? '' After they asked each other the same questions several times of each other the representative said that the bill was past due. This is a clear violation of my right per the fcra and the fdca of texas. When questioned she suddenly did not want to repeat her name. After being reminded that she had to per all the f..a acts, she would only give the one name, making it hard to identify who violated my rights. Spoke to a supervisor. Supervisor didnt know what happens typically when a complaint is filed. Representatives name was " XXXX '' she works in collections. And identified herself as a debt collector. " Sorry '' was the only resolution I recieved from discover at the time of the call. That is unacceptable after violating my rights. They should be bending over backwards to ensure that i didnt take this to the ffc, andvthe CFPB, and the oag. Because i recieved no resolution, we are here.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft/fraud. I have notified this original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover is reporting on a debt I do not know. I did not know this debt was on my credit report. I didn't receive any letters or any communication from Discover. However, as soon as I found out i immediately paid the debt. I believe this is a violation of my 30 day right to dispute. I did not get a chance to be able to dispute this debt or settle with them before it was put on my credit report for lack of communication from them.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
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: The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: At about XXXX : XXXX today ( XX/XX/2019 ), I pull a credit report showing some accounts that I have no knowledge about.An account at Discover bank with account number XXXX ...., were opened by someone with my information fraudulently. My friends as well as legal consultants advised me to file a CFPB complaint. So I request your investigation to the mentioned credit card. Thank for your support
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. Thank you, XXXX XXXX
Company Response:
State: WA
Zip: 99352
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Applied for a credit card with discover. Was asked to send a copy of bank statement and copy of social security. I complied and sent them a copy. I call back and was told I was approved for a XXXX line of credit. I was told the card will be in the mail 7 to 10 days. I recieved a call prior to getting the physical card in the mail. The woman stated my card has a hold in it. I need to check my email and sign a form sent to me by doc you sign. Once signed the hold will be lifted. When I read the document it was an irs form checking my tax returns for XX/XX/XXXX and XX/XX/XXXX. I called discover card back I advised them i have not filed taxes i marked on my application retired and i marked other for income. I was told i must sign and return the form and it's ok it i haven't filed taxes it's just for identity purposes. I signed the doc you sign form online and waited. Today me and my granddaughter called Discover card and was told my account has been closed. When asked why they refuse to state. I feel discriminated against based on my age. My credit score is very high my income is high and there is no such reason to now deny me its because I'm XXXX years old and this is the real reason they closed my account. I never even activated the card they blocked me for no legal reason I'm so upset.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report
Company Response:
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A