Date Received: 2020-02-22
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 have submitted 2 complaints already about my discover card. Yesterday XX/XX/2020 I was able to get online to view my account and make a payment. Today I can't get online again. I've called several times and they will not fix this problem. I also received 2 letters from them the other day. One states the re-investigation is closed and the other one states the investigation with the fraud charges were approved and in my favor. However there is a discrepancy of {$1000.00} still not credited back to my account. I don't no what they are doing but I am fustrated at the fact that I can't even get online to view my account. They are giving me a very hard time in resolving these issues. I expect to be able to get back online and keep a tab on my account along with getting the credit back to my card that was fraudulantly taken.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX XXXX. I have received a letter from Discover bank to collect a debt ; however ; I totally do not know about this Discover account. I filed to Identity Theft and Police report to protect myself from this. Now, I submit to this complaint to get further assistance from the CFPB.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX. I just received an attempt to collect a debt from Discover bank. I have never authorized this debt with Discover and I have never received any type of communication related to this fraudulent account as well. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Enclosed with the complaint are FTC ID theft report and police report. I hope the matter can be amicably settled.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY HAS OPENED A CREDIT CARD UNDER MY NAME THEY HAVE MAINTAINED THE CREDIT CARD AND THEY HAVE MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I AM NOT RESPONSIBLE FOR T HE CARD OR FOR THE PAYMENT THAT THE THIEF HAS MADE. I HAVE ASKED NUMEROUS TIMES FOR DISCOVER TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, AND I HAVE ASKED THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FORM MY CREDIT REPORT. THIS IS REALLY UNFAIR. I HAVE EVEN SENT THEM MY IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT. WHY ASK FOR DOCUMENTS WHEN YOU ARE NOT GOING TO HONOR THEM. I AM THINKING MABE DISCOVER HAS SOLD M Y INFORMATION AND NOW THEY ARE REFUSING TO RMEOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX.Recently, I found out that I was a victim of Identity theft after receiving an attempt to collect a debt from Discover bank. I believe that I have never had any outstanding debt with Discover and I have never received any type of communication regarding this fraudulent account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX and XXXX ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. " A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. How Will the Tax Lien Change Affect My Credit? According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Referring to DISCOVER card 's {$50.00} referral bonus. I was both referred by a friend over a month ago and I referred somebody else two weeks ago. By the terms of the promotion, I should have received {$100.00} total for both referrals. It has been a month since opening my credit card ( my first purchase was XX/XX/XXXX ), and I have not received anything to date. Discover customer service has not been able to help after contacting them multiple times.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. Attachment communications with Discover discover statements from XXXX copies of the credit reports
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My social security number has been stolen and is circulating on the deep web. I have reached out to Discover and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A