Date Received: 2020-01-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: discover financial is constantly reporting incorrect information to my credit file. they are trying to ruin my credit because i am an XXXX american. they have XXXX fraud protection agents that constantly call my phone and refuse to identify themselves. i have asked them to remove this account and they refuse. I am going to hire A lawyer and sue the company. Please remove this account off my report.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I HAVE DISPUTED THIS ACCOUNT WITH XXXX AND DISCOVER, I HAVE FILED A POLICE REPORT AND FTC REPORT. THIS ACCOUNT WAS BLOCKED PER SECTION 605B 15 U.S.C & 1681c-2. THEN THIS ACCOUNT WAS PLACED BACK ON THE FILE BY XXXX SAYING THEY RECIEVED NOTIFICATION FROM DISCOVER SAYING THE ACCOUNT IS VALID. I HAVE EXPLAINED TO DISCOVER THIS WAS A RESULT OF IDENTITY THEFT AND YET THEY STILL ARE REPORTING THIS FALSE INFO ON ME. I ASKED XXXX TO VALIDATE MTHIS ACCOUNT AND HAVE DISCOVER PRODUCE A CONTRACT/ APPLICATION WITH MY SIGNATURE, OR OTHER IDENTIFYING INFO, AND XXXX SAYS THAT DISCOVER DONT HAVE TO PRODUCE THEM ANYTHING AND AS LONG AS THEY SAY THE ACCOUNT IS MINE THEY WONT BLOCK IT EVER AGAIN. ALL DISCOVER IS SAYING IS THAT THEY HAVE MY PERSONAL INFO. MY RESPONSE TO THAT IS THAT IM A IDENTITY THEFT VICTIM SO OF COURSE YOU HAVE MY INFO. I WANT THIS ACCOUNT TO BE BLOCKED FROM MY CREDIT REPORT AND DISCOVER STOP DOING UNFAIR PRACTICES AND STOP TRYING TO COLLECT ON ID THEFT ACCOUNTS
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
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: fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
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'm afraid that I can't provide exact dates ; this has been going for 13 months. I'll try to make this as clear but as brief as possible. I ordered a guitar for {$5100.00} from a merchant in XXXX in XX/XX/XXXX. He didn't mail it in the specified amount of time so I cancelled the order. At that point, the merchant said that he'd already put the guitar in the mail but he could stop it, even though he'd still have to pay shipping. I stupidly agreed to split that {$160.00} cost with him, a choice that has added to the problem. As weeks went by, it became clear that, even though the merchant said he'd refunded my money, he had not. I tried to work with the website I bought the guitar over, one that said it guarantees all purchases but they said that because the payment went through XXXX -- irrespective of whether we used XXXX on their site -- they couldn't guarantee it. So I went to XXXX and tried working with them, but that became impossible. That website is called XXXX, and as far as I'm concerned, they're as much responsible for this as Discover. They charge large fees that are meant to provide protection against scammers like this. So in early XX/XX/XXXX, I filed a dispute with Discover. In XX/XX/XXXX, Discover mailed me to say that they found against me, even though they had documents that I'd submitted in which the merchant said he owed me {$5000.00}. When I called, they agreed to reopen the dispute. A few months later, Discover claimed that they found in my favor. That meant to them that they refunded {$80.00} of the original {$5100.00} to my card. Clearly, they made a mistake and refunded {$80.00} instead of the {$5000.00}. From here, the black hole that is Discover began. It took months for me to get Discover to admit that agree that {$80.00} was the shipping charge, not {$5000.00}, as if anyone would pay over XXXX XXXX to ship and item worth less than {$100.00}. I was then told that I needed to submit more documents, which I did. Since then, it's been one excuse after another : They required me to get documents from the merchant, even though it's not obvious that he's a scammer ; hence, why would he give me documents that prove that? They have brushed me off each time I call, saying that the case has been escalated and someone will get back to me shortly. Of course, no one ever does call me back. Not once. I've had at least 15 supervisors promise me they'd call back. And every time I call, I have to go through their whole system before I get a supervisor. That person then needs to review over a year of notes, so they put me on hold for half an hour. They then tell me that they'll make some notes and have someone call me back. If I'm lucky, they'll tell me what the last action taken was. For the last four months, that action has been something like this : " Last week, the group that decides these cases met and went over your documents. They were unable to make a final determination, so they've escalated the case. '' It has probably been escalated from one final group to the next " final '' group half a dozen times. Meanwhile, the charges remain on my card, the interest accrues, my credit is negatively affected, and there is zero leverage that I have over Discover, absolutely nothing I can do about this situation except to call ad infinitum. To be fair, I've done that part for over half a year and it's made no difference. After all of this, I'm right where I started : facing the charge on my card, in possession of no guitar, and being told nothing more specific than that it's being worked on by the new escalation team. From here, I have no idea how to proceed. So I'm turning to you for help. Hopefully, this write-up is coherent without being too detailed. I've left so much of the pain and heartache out of this because it isn't absolutely required for the matter at hand. Please let me know what more information I can provide, though. A final and important note : Only one supervisor gave me his complete name. That is XXXX XXXX, a supervisor who works in the XXXX, OH, dispute office. He also admitted that Discover made an error, that he would make sure it got fixed, and he made clear that while it was too late to recover the funds from the merchant, Discover would pay it because it was their mistake that made the timeline pass for when they could have recovered the funds from the merchant.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This phone number calls me all day everyday. It's annoying. The phone number is XXXX.
Company Response:
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: During XX/XX/2019, I researched the market for an interest-free credit for a specified time for those creditors with excellent XXXX scores. Since my income exceeds {$110000.00} and my XXXX is around XXXX, I was surprised to receive a Discovery card with a {$1000.00} limit. Believing they made a mistake, I immediately contacted them and was informed I could reapply in three months for better terms. No explanation was given to the low limit. Outcome : canceled card via representative. It is clearing credit card discrimination based solely on my zipcode XXXX. Today, I am reaching out to XXXX XXXX ( Banking Committee ) and all state and federal agencies to report this card discrimination.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Per Discover 's request, here are the information they are requesting to remove the restrictions again
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
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: XX/XX/2019 I purchased a product from XXXX it was free plus XXXX shipping. But I was charged {$42.00}. They claimed I signed up for a subscription. I did not. What it looks like is they automatically sign you up and claim that you did. I contacted the credit card company discover card and told them about this fraudulent charge. They claim they can not do anything besides the fact I informed them the documents are fraudulent. They claim I need to talk to the criminals that set this sight up which is XXXX I feel discover card is willingly working with these criminals on consumer fraud.
Company Response:
State: SD
Zip: 57105
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A