Date Received: 2020-01-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: DiscoverCard contacted me at XXXX on XX/XX/XXXX to inform me that they needed to verify my personal information with the IRS and that I needed to immediately sign a form allowing them access to my tax returns if I wanted to keep my account open. As a Discover cardmember at the time I complied with their request as I was a Discover cardholder in perfect standing with them, never a late payment, never a missed payment ). My account had been open approximately 3+ years without a negative issue occurring at any time. Discover shortly thereafter closed my account upon informing me that they could not verify my information with the IRS. I contacted the IRS and they informed me that all of my information was correct. Discover representative informed me that the IRS did not verify the information and if they did she would not know any longer because they just closed my account without finding out if my information matched the information with the IRS. She very snarkily mentioned that I should have filed my XXXX tax returns by now ( XX/XX/XXXX ) and if I didn't it wasn't Discovers fault. This will have a serious negative impact on my credit score and my belief is that Discover acted with malicious intent. The IRS confirmed that the information they have is correct. I had recorded the conversation with the representative at Discover and it is available upon request.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The creditor failed to mail paper statements for 2 months, XX/XX/2019 and XX/XX/2019 after paperless was declined. In addition, the creditor reports to credit bureaus that I am over 120 days delinquent when I have never missed making a payment which they acknowledge receipt.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent account in my XXXX credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding Discover Financial Services account as a fraudulent account and submitted these documents to the Discover bank and credit reporting agencies. They deleted this account from my credit report, but recently XXXX credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
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: I am a victim of identity theft. There is Discover Financial Services account ( acc no : XXXX ) in my XXXX report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to XXXX credit reporting agency and Discover Financial Services but they refused to help me to resolve the problem.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XXXX 2019 got card from discover some hacking into account XXXX can boost cefit score balance manipulated app process was being sabatoged
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have an account reporting on my credit report from Discover Bank that I did not apply for. In fact, I was not even in the country when this account was supposedly applied for and used. XXXX XXXX # XXXX
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account from Discover with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.
Company Response:
State: NC
Zip: 28786
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A