Date Received: 2020-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment of {$400.00} to Discover Card via the Discover App. In the Discover app it states the following : Payments submitted before XXXX XXXX. Eastern Time ( ET ) with a payment posting date of the same day will be credited to your account that day. After XXXX XXXX ET, payments can not be submitted with a posting date of that same day. Payments scheduled for a future date will be credited to your account on the date selected. I made the payment of {$400.00} before that deadline, and my available credit was posted as stated above. On XX/XX/2020 while trying to make a purchase, I was not authorized, I paid in cash now with that said I called Discover and spoke with a representative and discover stated that my payment is under review and may take up to 8 days, until the payment clears this is very conflicting. 8 days my due date is the XXXX of every month so I get charged the late fee, Discover gets my {$400.00} I have to wait 8 days. I have been with Discover for approximately 5 years I have never experienced this, this is the 2nd time. Discovers actions is now affecting my credit report. I have since called my bank and put a stop payment on the {$400.00} to Discover. I hope the CFPB can find a reasonable explanation or this as I see another XXXX XXXX shady shenanigans in the making.
Company Response:
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: A discover card account was opened in my name and the charges were disputed with the 3 credit bureaus. The fraudulent acct. was removed in approx. XX/XX/XXXX. Since then, on approx. XXXX a Discover card credit application email came to me. I called Discover and was told that it was fraud and that the inquiries would be removed from my credit report. Today on XX/XX/XXXX, I have received an email statement that says that I am approx 3 months past due on a Discover card account with a balance of approx. {$10.00}, XXXX. I do not have a Discover card and do not have the related acct. number. This is the first time that I have been contacted by Discover about this account. I have also noticed today that my credit scores have been hit for 30 days late on this Discover card acct. ( ending in XXXX ). I do not have the acct. number because I do not have a Discover credit card.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover loan company has been manipulated to report to XXXX XXXX Credit report company. Every year Discover loan company reports wrong information to XXXX XXXX. Last year, delinquent date was XXXX, XXXX and I was told it will be removed in XXXX. I have called XXXX XXXX and they say that Discover loan company has reported *delinquent date wad XX/XX/XXXX so it will be removed in XXXX. Every year Discover loan company reports 1 year behind so it will be stayed in my credit report forever. " There are statutes of limitations for private student loans.Each state sets its own limits on how long a collector has to sue a debtor. Those limits range from three to 10 years. Pennsylvania is 4 years. I would like to report their manipulation and lie.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call Discover. Around XX/XX/XXXX I spoke with a Discover account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe Discover didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX XXXX theyre handling for me. I asked her to take a payment on my Discover account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with Discover. When I spoke with Discover rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following is detailed account of the events that lead me to request that the Delinquent mark Discover recently submitted to the credit bureaus be removed from my cre dit report and their response to my request. On XX/XX/XXXX, I made a payment of {$5200.00} that I honestly believed based on the information presented to me on Discovercard.com, covered the entire statement balance. Believing that I had paid off the card In Full coupled with the next day, seeing the Current Statement Balance read {$0.00} and the Minimum Payment Due read {$0.00} I did not give the account a second thought. Its important to note that Actual Statements for some reason, are unavailable on my Discover Card online account, only Transaction History is available. This should be investigated. I have had this credit card account with Discover since XX/XX/XXXX ( 16 years ) and have never had a single late payment. In fact, I have not been late on any debt Ive held in my lifetime, including my home mortgage, even during my most extreme hardship - the financial crisis of XXXX. I have spent my entire life treating my financial responsibilities with the utmost respect and as a result, have maintained a perfect payment history, until this most unfortunate circumstance. If I had known that I still needed to make a payment on this account I would have paid it immediately without question. In fact, I would have gladly paid triple the amount, not to have my credit blemished for the next 7 years! However, since this account had been on auto-pay for many years and I had stopped using the card for purchases several years ago, all of the contact information Discover had on file for me was out of date. Therefore I did not receive the notifications or statements that were sent to me attempting to inform me of the outstanding balance of {$80.00}. As soon as I was alerted by XXXX XXXX ( A Credit Monitoring Service ) via email on XX/XX/XXXX, that Discover had reported me as Delinquent resulting in a 100 point reduction in my overall credit score, I immediately called Discover and made the payment of what was described by Customer Service Supervisor XXXX of XXXX, AZ as the result of Residual Interest. I made certain that the absolute final amount owed was in fact {$80.00}, and paid it on XXXX XXXX XXXX. In an attempt to keep this from ever happening again, I updated all of my contact information and also reinstated auto-pay - though as I said to XXXX, I did not remember ever having deactivated auto-pay in the first place and I would like this to be investigated. My long activity history shows that this account has been on automatic payments for many years without interruption. Only after I had paid the entire balance In Full ( Or so I thought ) with the amount of {$5200.00} on XXXX XXXX XXXX, did the automatic payments suddenly stop, unbeknownst to me, which meant that the Residual Interest I was not aware of, would not be payed automatically either as I had been accustomed to for years. It is my hope that Discover would recognize this was simply a perfect storm of misunderstanding and out dated contact information that resulted in this incredibly damaging and disproportionate negative mark against my otherwise spotless payment history. My honest intention was and always has been, to pay my debt In Full to Discover - and this Fact is proven by my entire lifes perfect payment history - over 20 years! After several calls to Discover Customer Service and their FICO Team in attempt to resolve this matter more favorably, it has been made clear to me by several customer service members and supervisors that their reason for not removing the Delinquent mark is because Discover is required by the Fair Credit Reporting Act ( FCRA ) to report accurate information to the credit bureaus, however : 1 ) Discover is not required by any law to report anything to the credit bureaus. Reporting to the credit bureaus is described in the FCRA as being a Voluntary and therefore Discover does in fact have the ability to retract the information reported with zero risk of liability or adverse action of any kind. 2 ) Discovers own Corporate Code of Ethics declares their desire to, Follow both the letter AND THE SPIRIT of the law ( emphasis added by me ). Therefore it stands to reason that if Discover has been made aware of a consumers misunderstanding, inability to have been contacted, has access to evidence of the consumers perfect payment history, a record of an obvious attempt to pay the account in full and has received the remaining final payment immediately upon his learning of the oversight, Discover has, according to its own Code or Ethics, the responsibility to act in the best interest of customers, and retract the damaging mark from his credit report because : a. The letter of the law is to report accurate information to the credit bureaus, if the Furnisher voluntarily chooses to do so, for the express purpose of being converted into a score which is then able to be interpreted by financial institutions to determine a prospective borrowers Creditworthiness. I contend that the information Discover has voluntarily furnished the credit bureaus in this case, is more Inaccurate than it is Accurate as the information submitted would lead financial institutions to believe that I am a risk of late payment, when in fact that couldnt be further from The Truth as evidenced by my perfect payment history of over 20 years and my having paid the remaining balance as soon as I learned of its existence. Interpretation of the information submitted by Discover would lead other institutions as well as Discover itself, to come to untrue determinations about my creditworthiness, character, and general reputation. 660.4 Fair Credit Reporting Act b. If the spirit of the law as stated in Discovers own Code of Ethics is in fact to Act in the best interest of customers, Discover has violated its own Code of Ethics along with the spirit of the law of both the Federal Trade Commission Act and the Fair and Accurate Credit Transactions Act of 2003 where the Missions of each statute are stated plainly on the government website ( ftc.gov/enforcement/statutes/fair-accurate-credit-transactions-act-2003 ) as to Seek monetary redress and other relief for conduct injurious to consumers and most simply for Consumer Protection. I contend that this Delinquent report to the credit bureaus for the remaining residual interest in the amount of {$80.00} is Unfair, Inaccurate, and Injurious to me as a consumer, due to the disproportionate financial repercussions I am now exposed to for a simple misunderstanding coupled with unfortunate circumstances that I immediately rectified upon my learning of it. Today, it is commonly known to be standard practice for not only financial institutions to utilize credit reports, but other institutions as well, such as : insurance companies in setting rates, businesses making employment decisions, landlords determining whether or not to rent to a prospective renter, auto sales and more. As a direct consequence of Discovers voluntarily reporting to the credit bureaus, I will incur costly and undue, but lawful discrimination from countless institutions for the next 7 years.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX I received an alert that a recurring charge had posted to my credit card with Discover. I immediately called them to dispute the transaction and obtain more information about the merchant. I called the merchant, they confirmed my card was set up for an account I do not own nor have any billing responsibility to and the account belonged to my ex boyfriend who clearly was using my card information. Discover provided a credit for the charges and I told them I'd file a police report. I did file a police report with XXXX XXXX Ohio XXXX XXXX. and case was assigned to XXXX XXXX. Now, Discover called me today XX/XX/XXXX and stated they are going to reverse the credit they provided to me as they are considering it a civil matter since the account belonged to my Ex Boyfriend. I have TWO authorized users listed on my account, NEITHER are my Ex boyfriend, if I was going to allow him to use my credit card, I would have added him onto my account as a user.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
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: My bill was reported incorrectly 30 days past the due date in XXXX of 2019.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have requested a new card to replace a lost card multiple times over the past month and have not received it. Please let me know the status.
Company Response:
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A