Date Received: 2019-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and XXXX representative said it was a mistake ( XX/XX/19 ). I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. Help is much appreciated!
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to you about a discover account that is now closed. The card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I understand it was closed due a misunderstanding and when explained to me everything they had agreed as long as everything paid they would remove the entire card information from my credit history. Which they have yet to do.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. XXXX XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. See an error? Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. This inquiry could stay on your report untilXXXX XXXX.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with Discover, XXXX, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my XXXX score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.
Company Response:
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
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: On XX/XX/XXXX I received a call from Discover that they suspected fraud on our credit card account. They said a purchase was made at XXXX in XXXX OH and then the card was used two more times and rejected. I confirmed that I was at home and my husband was at work and neither of us made any purchases at XXXX that day. Discover closed our accounts, issues new cards, and removed the charges of {$61.00} from our account. I thought it was all handled and done. We then received a letter in XXXX stating that the charges were being put back on our account because it was not fraud.I called and talked to their customer service fraud department for an explanation. They said we couldn't prove the charge wasn't us and since it is a store we shop at, we are now responsible for the charges. The fraud department said they would review again but i have heard nothing since and it has been 30 days. The charges are still on my account saying I'm responsible to pay.
Company Response:
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Discover Home Loans advertisers a process in which to prequalify for a HELOC rate on their website with no affect on a consumers credit file. I went through the process and got to the point where it said, Congratulations, you have prequalified for XXXX and almost immediately received multiple text messages and emails from credit monitoring sites that a hard credit inquiry was pulled by Discover. This is completely opposite what was stated on their website about prequalifying for a rate and has now added an unwanted and unauthorized hard inquiry on my credit files. I spoke with a home loan officer this morning to express my displeasure in the bait and switch advertising of their site and she refused to do anything about the hard pull inquiry. This is wrong to advertise one way with NO AFFECT on credit but then go through their process only to get hard credit pulls. I requested they remove the hard pulls and she declined saying there was no method to remove them.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover financial services has not resolved the identity theft issue that has been ongoing with their company since they allowed two Fraudulent accounts to be opened, these accounts were never confirmed by me, The cards were never received at any addresses I have lived at, The employment is not legit. The application ( s ) were fraud. Still are fraud, and Discover does nothing to resolve the issue. They have allowed two accounts to fraudulently to be opened. A Discover it card in XXXX of XXXX, and a Discover Chrome card in XXXX of XXXX. Both of which again are Fraudulent and not authorized. Discover never called to clear the fraud alerts on my credit profile, These are extended fraud alerts and once again it specifically calls for calling someone before opening an account, and Discover failed to accept that law, nor did they follow the procedures of that law. The Inquiry was blocked due to fraud, and will remain blocked because it was an identity thief using the information that isn't even valid. In a previous complaint Discover advised me they have " Investigated the issue '' They also here stated in an accusatory tone, they opened 5 ACCOUNTS Yes you read that right 5 ACCOUNTS Without authorization because they decided to investigate the accounts as " Transactional Fraud '' The Rep XXXX XXXX also advised that I CALLED IN to request the accounts be investigated that I was disputing some fraudulent transactions. AGAIN Accusatory, not verified and no information was proven. Additionally, XXXX XXXX also said she verified the email address XXXX WAS USED TO REGISTER THE ACCOUNT, Yet according to my XXXX Identity Protection Alerts this email address was found on the dark web. I have contacted XXXX about it, which is pending resolution and investigation to block the email address. Additionally Discover also stated they verified with a motorcycle company that I took their Motorcycle class and they verified the endsorement was put on my license from said class. Again no proof, and again NO EVIDENCE of said call and or said lies they continue to promote in their comments. Discover is committing the fraud, they opened numerous accounts without my authorization. I have only made 1 call to discover ever in my life and that was to report these as application fraud, I never once called in to report transactional fraud, in fact their Fraud Rep told me on the phone that they had mistakingly marked it as transactional fraud. She apologized and told me this would be corrected because again Discover continued to report this as transactional fraud and continued to try and investigate individual transactions. They never once investigated that the cards were never received, never investigated the applications which they admitted were submitted online. Additionally, Discover says they verified calls in XXXX, Which again I never made I am not sure how they verified these because discover can't ever provide evidence instead continues to falsely report fraudulent information from an identity thief. Discovers fraud department is very horrible. They openly admit the applications were submitted online, they openly admitted they opened the card 5 times as transactional fraud instead of closing it due to application fraud, Since I never authorized the application nor received the cards. The Bank accounts which made payments to those accounts additionally have also been closed due to identity theft, yet Discover again acknowledged they investigated this and verified the bank accounts were legit. Again, False information as always. Discover has never investigated anything, Discover needs to be investigated for their practices. They do not follow the law, they do not accept the FTC Identity Theft Affidavit, they take fraud cases into their own hands and create more fraud, they do not resolve the issue and continue to cause me monetary loss. Discover is not willing to investigate they lie in every comment they say, I have a letter from them which told me I am not held Liable for the account and then later they just change the number and try to say I am liable when a thief opened these accounts. I want Discover investigated for Abusive practices, Harassment, Not handling fraud and discrimination which they continue to perform. I do not have accounts with Discover and I will not pay accounts with Discover when I never received any Cards from Discover, Never submitted any applications with Discover and Discover continues to report identity theft.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A