Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: RE : XXXX XXXX XXXX/ XX/XX/XXXX / XXXX. i, the consumer, XXXX XXXX XXXX, applied for a Discover credit card on XX/XX/XXXX, and was denied. Regardless of the reason given for being denied, as a consumer, i have the right to my own credit without hesitation or limitation. Denying my consumer access to their credit is not only discrimination, but also appears to be a securities scheme and artifice, false advertising, false and deceptive trade practices, sabotage, a mockery of honest services, and several ethics violations. Discover is registered with the Secretary of State, thus is subject to adhering to Corporate Governance Laws and Regulations, Federal Rules and Civil Procedures, the U.S. Securities and Exchange Commission, the Federal Trade Commission, the Financial Crimes Enforcement Network, the Federal Bureau of Investigation, the Internal Revenue Service, all applicable United States Codes and Statues at Large of the United States Corporation 28 USC 3002 ( 15 ). The United States Corporation underwent bankruptcy ( 3rd ) in 1933 and decided to pledge/mortgage all the property and future labor of the people in order to participate in international trade and commerce . That property includes the Social Security NumbeXXXX, the name, and the date of birth i currently use as a conduit to assist the bankrupt corporation while maintaining an equitable interest. An insurance policy for the assurance policy they have for my XXXX. Therefore, as evidenced by the publicly probated stock certificate of interest ( # XXXX ) ( lest Congress would be tried for treason ), i am an undisclosed beneficial interest holder in all assets of the United States and that includes every business that is registered with the Secretary of State. Discover also appears to be in violation of the Equal Credit Opportunity Act, the Consumer Credit Protection Act, as well as : 15 U.S. Code 1681 ( b ) Reasonable Procedures ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) and 18 U.S. Code 1951 - The Hobbs Act ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) Since Discover has expressly denied me my own creditworthiness due to its own elusive definition and explanation of who the original issuer of all source value credit is, as well as no institution being able to lend or extend credit per Volume 77 of the 73rd Congressional Session, specifically pages XXXX, XXXX, XXXX, XXXX, and XXXX, i behest Discover to retract, return, and refund my over-the-counter security created by my application of credit, pursuant to Federal Rules and Civil Procedures 1002, to ensure Discover is remaining in honor and not collecting unauthorized dividends on a fraudulent security that Discover deemed not credit worthy. This also appears to be a tortious interference with contractual relations, violating 18 U.S. Code 1951 - Interference with commerce by threats or violence ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) as well as a breach of contract. Discover made an offer, making them the debtor, i, the consumer accepted the offer, making me the creditor, and returned it with consideration and value ( my personal private property ) allowing Discover to benefit while i have yet to receive any performance of their offer due to a denial.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted the credit companies and they still havent did anything
Company Response:
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: Did not authorize charge on account ending In # XXXX charge for {$3400.00} on XX/XX/23 from NO 1 Gold sour deira. I need a credit ASAP.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Interest Rate promotion expired XX/XX/2023. I made an extra payment in order to clear the promo interest rate expiring XXXX. According to Discover the minimum payment is applied to the 0 % interest rate, followed by the 2.99 % and ANY additional payment is applied to the highest interest rate 17.24 %. They did NOT follow their internal policy and procedure. The extra funds were applied to the 2.99 % rate inflating my balance for 17.24 % purposefully to create fraud against the consumer. This needs to STOP!
Company Response:
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I detected today a hard inquired on my Discover Credit card on XX/XX/2023 ( this year ) more the one time ( I am in shock ) I never did it the kind of inquired. I was satisfy with the amount of credit on the card and I dont request any extra amount. Show as a hard inquiry and I need to know who did it because I never did it. And an good explanation by Discover card who never arent in communication with me about the inquiry. Thanks ahead
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover Credit Card has charged me over {$300.00} in late fees, ever since my income suffered during covid. They then closed my account, bc of late payment, yet still expect payments on the account, monthly, at arate of close to XXXX XXXX. The balance is now about {$300.00}, So, to avoid collection or judgements, Discover wants me to make installmet payments on a balance that consists entirely of THEIR FEES, at a very high intertest rate as well. I tried to settle account w Discover, but they would not even come down, never mind simply waive the back fees and zero out the balance, on my account that THEY CLOSED.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to DISCOVER BANK for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. XXXX XXXX XXXX XXXX ( XXXX ) ( 12 U.S.C. 5481 et seq. ) : The XXXX established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Company Response:
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to, 15 U.S. Code 1681n - Civil liability for willful noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Financial Service abruptly closed my account after 8 plus years without any satisfactory reason or the requested documentation. Discover continues to sent unsigned computer generated responses with no living person to converse with or direct my inquiries. They are required by law to supply the consumer with the information that has been requested.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A