Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I WAS NEVER LATE ON THE PAID OFF ACCOUNT, PLESAE SHOW ME DOCUMENTATION PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT IF YOU CAN NOT SUPPLY THIS, PLEASE DELETE THIS ALLEGED LATE PAYMENT OFF MY CREDIT REPORT.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Student Discover card was on hold for 4 months. I told them I was a XXXX XXXX XXXX student and I work part time at my XXXX XXXX and that my only option at the moment was to get an online signature for my enhanced notary form. They still decided to close my account without warning ( I had to call them. They did not email me, they sent me nothing in the mail ). And this is incredibly unfair. Since they didnt tell me what type of notary signature to get ( private or public ) and now they close my account. This is incredibly ridiculous and unfair to the consumer. I also think because I am a XXXX resident, they were biased towards me and felt no urgency or concern to actually help me with this.
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
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 have a credit card with Discover and for the past 3 months I have been fighting with them about fraudulent charges made on my account. Since the fraud my card has been locked and more purchases keep appearing on my account! From the same XXXX merchant! They wont give me details on the merchant and XXXX wont help me since it wasnt purchased under my account! The amount of purchases has now set me into an overdraft and has affected my credit scare by XXXX points which is a horrible outcome considering my marriage later this year. The charges include but arent limited to : XXXX ) Sunday, XX/XX/XXXX ( the first fraudulent charge, reported immediately ) for XXXX to an XXXX merchant. This charge was returned to my account and verified as fraud. I chose to lock my card. I didnt bother getting a new one as I was going to pay off Discover and close my account as this isnt the first time this has happened. XXXX ) Sunday, XX/XX/XXXX. Another purchase made to XXXX for the SAME total. XXXX to the same merchant. This was reported and fixed on XX/XX/XXXX when I requested a new card anyway for added protection this time while keeping my account frozen. They refunded the total. XXXX ) Monday, XX/XX/XXXX. Despite a new card completely and a frozen account my credit card was charged XXXX XXXX to the SAME XXXX merchant. I have not yet even received my new card and the purchases are being made.
Company Response:
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Reporting illegal utilization on credit reports
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX XXXX breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove inaccurate information : Discover Bank Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report. This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am disputing this account because it is invalid under FCRA because it was opened fraudulently as a result of Identity Theft, My identity was stolen and used to open this account and many others already disputed and deleted from my credit report. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
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 first reached out to XXXX about unsatisfactory item. The shoes I purchased were stained and smelled funny. They were not in greatcondition like advertised in listing on website. I asked to return and refund and was told no. I reached out to XXXX. I sent proof ( pictures ) of the stained shoes and markings all over them and showed XXXX policy of items must look like what they are listed as, XXXX agreed they did not and were not in great condition. XXXX said if I returned the shoes they would issue refund. I returned merchandise to poshmark and provided tracking info. XXXX said XXXX agreed to the refund. XXXX said they saw the item was return per the tracking info and the refund was issued. I was waiting for refund and it was taking awhile so I asked Discover my credit card that is connected to my XXXX account and, the agent took over and initiated the dispute. A temporary credit was issued. Then poshmark responded changed their tune and did not agree to refund and Discover found in their favor. I reached out and asked why and found out they over looked many documents that I had send so the reissued a temporary credit. I waited several more moths and checked in regularly with them and they kept saying it looked like it would be found in my favor. I was worried and asked what would happen if it was not found in my favor. I was told on multiple occasions that they could do something in house to make things right. I found out today it was not found in my favor. I asked if they were going to do something in house to rectify this since I no longer had the product in my possession and, they said they wouldnt. I contacted XXXX and they said the case could no longer be reopened so Im looking to you for help. This is not fair. Im being required to pay for goods that I no longer have. Its not right. Its highly unprofessional that XXXX didnt honor their policy to begin with. Then for Discover to take over a dispute only to leave me with zero resolution or options moving forward and to pay for goods I no longer gave ownership of.
Company Response:
State: AR
Zip: 72956
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My identity was stolen and discover won't close my credit account or remove the charges from my credit / credit report
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
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: First, let me say that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and your website is totally inadequate for a XXXX or XXXX XXXX to deal with starting with the password where you dont show what the person is typing in most financial institutions of a band net practice, and show what youre typing in. Its your password if youre XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX you may not spelled right every time its nice to know instead of getting timed out so youre guilty of not being very user-friendly yourself. I hope you can do an adequate job in representing the consumer with these financial institutions because youre not doing an adequate job for that concern Now lets get on with the actual complaint, the complaint against Discover card dispute process, which only allows you four months from the time of purchase. They do have an exception process, which is not well published, and I dont have access to it where you can complain about products purchases, even after four months of the experience extenuating circumstances I think I have such circumstances because Ive been ill since XXXX when I had a XXXX XXXX was shortly after that diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have not been able to keep up with normal functions like complaining about my financial institutions so I want a exception If I do not receive an exception, then I think your process is broken, just like Discover cards, and I will take it to a higher authority like my state, senator and representative, who do care about XXXX because theyre from the state of Florida The transactions and question are from a company called XXXX, which is a start up company trying to filter the plastic pollution out of our drinking water. They were funded by XXXX XXXX a very prominent XXXX television show, and XXXX XXXX very prominent investor invested in them, so I had some confidence that maybe they knew what they were doing and maybe XXXX do what he was doing in investing in his company but I think he made a big mistake from the very beginning, they were impossible to do business with and I tolerated a lot of aggravation, including not being able to get get the website to even work to purchase something for several weeks before parts finally purchasing quite a few products that I installed in my house they have yet to provide adequate proof that they are the best product on the market they say theyve done extensive testing with two universities and they publish the results but no independent Agency that I know of is tested their product and showing that it lives up to their claims. nonetheless, I purchase the product and had trouble with them from the start. They dont have a customer service process that works. You cant get anybody on the phone. Their robot chat capability doesnt work And their promise of a discount for a subscription for replacement filters is broken I cant get on the website and edit it to make it correct I complain about this several times and Ive gotten nowhere with him because you cant talk to you and then they dont have adequate service representatives. I think theyre in financial trouble and are trying to sell as much product as possible to bolster the company at the same time they dont have enough people to actually service their customers And Im not being serviced adequately I wan na returning tire products that I want to be compensated for it. I dont wan na return it and I want to be compensated for it because of the aggravation Ive gone through I dont want to uninstall something that Ive already installed its not fair to the customer. I dont think it works adequately because theres no proof that it works adequately, so I want to dispute all charges that have been made against my Discover card to XXXX starting in the XXXX timeframe of this year during XXXX XXXX XXXX Let me point out here that your website doesnt work adequately Im trying to publish this so others dont get hard by this company and your publish button doesnt work properly. I have a new XXXX so I know its not an XXXX problem. Its a website problem fix it. I complain about this and several other complaints that made nothings been done about it. If youre going to represent the consumer, then do it in an adequate fashion bike by being responsive to problems with your website through other problems that Ive run across in addition to the two that I pointed out already but I wont go on and on because obviously you didnt user tested or tested real customers before you published it, which is a beena The industry and youre part of the bane
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
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: The dispute involved, but I think it was a scam regarding security software for PC and ratings of such software with a link to buy. I tried purchasing one of the recommendations and paid for the transaction, but would never received download. I thought it was just a glitch in this in their software, so I tried the second company they rated that they raided in the same thing happened and then the same thing happening able to third you wouldve thought I wouldve got caught on after two, but I was stupid enough to go for three because the third one was a big name company, I disputed all three charges. The issue is the person that I had to speak with totally non-technical. Do nothing about the computers wouldnt know how to validate what are the services in provided or not and in their lifetime will required somebody from your IT department, actually look at XXXX XXXX remotely and prove that I never downloaded the software what is software was never downloaded by by the vendor, hi I made my arguments and they said they ignored them. Turn down my dispute wouldnt provide the proof that the customer provided in order to arrive at their decision and I know because Im with him Im a 45 year veteran of the IT industry that Im on right and theyre wrong and theyre wrong because theyre so non-technical then they still non-caring and have no real escalation process that works, so Im about to drop Discover card and go with a different card company hoping that your dispute process is better. Im gon na go XXXX it with XXXX XXXX where I have a financial interest ready for a card with XXXX XXXX XXXX but I understand there is broken. is Discover or even worse so I think its a systemic problem with these companies card companies they need to be fixed if consumers are going to be protected because were not I thought your dispute process was good because they they they they honored by disputes in the past, but this time it was pathetic who I was handle, and so on customer focused
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A