Date Received: 2020-02-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/2020, received an email with the subject line. we detected a new account opening. Goes on to say, View Details We monitor your XXXX credit report every day and have detected that a new credit account was opened in your name. No such account has opened. following their link led me to a paid service. I could not find the new account on any other credit reporting website. I just felt that it was unfair that they could lie to me and tell me that my identity has been stolen in an attempt to sell me something.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft I have provided the company with supporting documentation that I have no recollection of ever opening this account. It has been over 6months and account is still showing negative on my credit and nothing has been resolved after contacting company numerous times. I have provided company with fraud affidavit as well as police report. All documents were sent via certified mail and delivered on XX/XX/2019. This error is causing me to miss out on employment opportunities due to my credit history.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover Bank sent me a letter dated XX/XX/20 indicating they had received my dispute and was investigating and would inform me of their findings subsequent to investigation. They informed me they had informed XXXX XXXX of dispute. XXXX XXXX informed me they were told on XX/XX/20 that disputed account was correct. Dispute was closed. I have no idea if the investigation is closed ; I have not been notified of their findings if it is. Hoping CFPB will contact Discover to see if investigation is closed. Have asked Discover but receive no response.
Company Response:
State: KY
Zip: 408XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXXXXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with Discover Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership XXXX lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX XXXX XXXX, the plaintiff ... XXXX XXXX al, XXXX XXXX XXXX, Northern District of California, ... XXXX XXXX clipped XXXX XXXX entire message
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover Credit Card- Discover sent me a email stating there were multiple fraudulent charges mentioned on my account. I confirmed with the creditor which purchases were fraud and they proceeded to mail me a new card. I received my new card but, before I could use it I received another email ( from Discover XXXX that IRS needed me to complete a 4506-T form for account verification. Skeptical, because my account was recently hacked, I asked the Rep to verify my account info before I complete the form. The representative refused. I proceeded to disregard the request at the risk of it being fraud due to the recent activity with my account. Yet, I still completed the form because- it's the IRS ! I began receiving more of the same request and was contacted by a representative. I informed the rep that I completed the request and he proceeded to tell me to disregard his call. I then received a email from Discover on XX/XX/2020 stating " we need to talk right away ''. I returned the call within 48hrs just to be told my account was deactivated " due to business reason. '' I asked to speak to a superior for better justification but she could not get a Manager to answer the call. The representative took my information and complaint to have my request reviewed by a manager for a return phone call. I never received a call back from Discover, but I contacted them AGAIN for reason why my account would be deactivated ( XX/XX/2020 ). The representative now discloses that my account was closed because of an address dispute. This is poor Management at the least, but discrimination by a company with such history could be argued. I am a XXXX XXXX who gets appointed to sites for work. Therefore, I have a primary address and my current address. Such a clerical justification could have completely allowed for customer satisfaction if properly considered. But, that's not the case in this matter. Instead, the customer has to have a blemish on their credit report : aging history, debt to income, etc. Not to mention, I never had a late payment with the creditor. I hope you consider my complaint reasonable and justified. Thank you,
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
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: This complaint is additonal information from the 1st complaint I had previously submitted. I have been having an issue with my discover card. I complained in my first complaint that there was frudulant activity on my card. I had received the credit back after the investigation however a month later they put the fraudulant funds back onto my credit card. They want a police report. I went down the precient and was told they can only fill out a field report which is not what they are looking for. I also complained about not being able to view my account online anymore. I was told they will fix that and allow me to view my account online. They never did. Yesterday XX/XX/2019 a payment arrangement that was previously arranged I had changed to a different date. Upon completely the date for the payment to come out I had asked why I am still not allowed to view my account online? I also stated I was told in the last conversation last week it would be fixed. I was put on hold for over 45 minutes waiting to be transferred back to customer service to resolve this issue. However after a 45 minute wait I hung up. I am very upset at the fact that I am being billed close to {$1700.00} plus interest and fee 's that accured do to this fraudulant activity and on top of that I still can't get online.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have requested Discover several times to close my Discover Card but I have been getting a run around. After several unsuccessful phone attempts, I chatted with several online representative on XX/XX/2020 and requested to close my account but they transferred me to Customer Service department who referred me to a phone number to call. I called the number provided to me, verified myself for security and requested to close the account but I was transferred to another department. The other department did something and then said I needed to speak to a different department and got transferred. That new department verified me for security and then said she needed to transfer me to another department. She transferred me to another department, they verified my security and said they were going to close the account BUT she transferred me to another department. The 5th transfer told me that she couldn't close the account and apologized.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A