Date Received: 2019-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover initiated a verification process without my consent. The results were very disappointing stating that they could not verify me because I did not file any tax forms in the XX/XX/XXXX-XX/XX/XXXX year and wasn't required to do so. They decided to close my account because of this decision which is unacceptable and now they are ripping me off with an over {$2000.00} balance that they claim I still owe which I am disputing because it was hacked.
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have made over {$1000.00} in payments since 2018 but I cant use my card it shows a {$0.00} availability. I did not close my account and I have made my payments on time. What is going on?
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive. 3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX. Please provide me with these items within 15 days.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX, XXXX and XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 60 days late XX/XX/XXXX to XX/XX/2019,
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
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: Discover has been removed from my XXXX credit report. I have contacted XXXX, XXXX, and Discover. They keep telling me that they have verified it. How? How are they verifying it when XXXX removed it off my credit? Discover keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account. XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
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 have submitted repeatedly to XXXX and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I recieved a threatening call from the FBI headquarters phone number to purchase four gift cards from the XXXX XXXX for XXXX valued at {$500.00} each. I XXXX the number and the FBI assured me it was a spoof or scam call and they said to contact many different agencies to get refunded money to my two credit cards. This happened on XX/XX/2019. They said they have evidence that I own 15 different credit cards, a car under my name, 40 kilos of XXXX under the trunk of that car, and the only way to save myself from lifetime in jail was to cooperate. They kept calling me every second for 6 hours straight after that purchase. This was not my fault and I AM A VICTIM AND NEED HELP GETTING A REFUND! I CAN NOT AFFORD THAT! I was fooled and threatened. I have the scammers phone call logs, voicemails, receipts of purchases, text messages, etc. To prove that I am a victim! They asked for gift card numbers and pin! I have 0 on those cards now!!! I NEED IMMEDIATE HELP AND RELIEF TO FIX THIS PROBLEM ASAP!!! PLEASE!!!
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. The original debt was {$7800.00} and the current amount owed is XXXX I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.
Company Response:
State: WY
Zip: 831XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: RE : XXXX XXXX NMLS ID XXXX Personal Banker, Discover Home Equity Loans XXXX XXXX ext. XXXX My office hours are [ Monday-Friday ] from [ XXXX ] ET [ XXXX ] ET. P.S. You can upload documents, view your application status, and access helpful tips and tools using your secure online account. Simply visit the link below to register or login : DiscoverHomeEquityLoans.com/login Plus, here are a couple of other ways to send us documents : Fax : XXXX Mail : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Discover Bank, Member FDIC | NMLS ID XXXX I have found Disocver with many lies/inconsistencies with the information given to me during the LOAN PROCESS! -- The First time I applied I was told I was denied as a result of TITLE ERROR -- Then I get e-mails saying I was denied due to Debt/Income -- Every time I speak with someone different the process gets more confusing and I get different responses -- Last Night when speaking with the SUPERVISOR XXXX He said that in regards to Discover Guidelines the income of an individual belongs to the INDIVIDUAL and can not be counted unless added as a CO-BORROWER. -- - Discover admited that they can take VOLUNTARY Statment in regards to the welfare of a CHILD and counting Income for the child as A CHILD can not be added as a BORROWER to the application -- - The Supervisor tried to tell me that I stated that my FATHER was paying child support which is not true. When speaking with XXXX I was VERY CLEAR that GRANDPA sent funds to help out with the Family on A regular basis and she in order to count that income asked if I could get my Father to sign a voluntary Agreement that he would continue to send his Gracious help/support to the Family. I told her that was rude and I did not feel comfortable asking GRANDPA to COMMIT to and sign a voluntary agreement as the Help that he already provides is Gracious & GENeroUS enough! -- - I have E-mails from XXXX XXXX that states they she in fact can accept VOLUNTARY Statement in regards to the welfare & SUPPORT of CHILDREN! -- - My partner and I are not married. We are lifelong partners. We share joint accounts and a child together. I do not think it's fair lending practice to ask me to get a DSHS or a Court ordered separation agreement as we are life long partners and will be together for the rest of our lives. It is our RELIGIOUS right in the eyes of GOD to recognize ourselves as Husband/Wife together especially since we share A CHILD! If all you have to do is have faith in Jesus to be saved does the Word of GOD require man/woman to be recognized by the US GOVERMENT? The word of GOD says A MAN leaves his mother to become one flesh with his partner/wife. If all I have to do is call on the name of XXXX to be saved in the same way GOD by our faith recognizes our marriage because we have joined together as A PARTNERSHIP Husband and WIFE. So, even though we are NOT RECOGNIZED by the local State government with a Certificate we are recognized in the eyes of the LORD GOD ABOVE. Even common Law would most likely recognize us as married as we have been together that long and my daughter will be turning XXXX this year! May I ask this??? If their guidelines say that income is declard by individual? Does not LAW state that a HUSBAND and WIFE can equally share their income??? That is if I consdider my income and she visa versa considers her income my income does that not mean we can each CLAIM each other 's income??? IN the same way can't we VOLUNTARILY claim the income we use for our CHILD? They state their guidlines allow ONE BORROWER even if both are listed on Deed ... So if we by RELIGIOUS reasons Consider ourselves married does that not mean I am allowed to Count her INCOME as MY INCOME. If I were to go down to SOCIAL SECURITY or DSHS they would LEGALLY by GOVERMENT LAW count our income as ONE!!! -- We are JOINT Shared in common Tennants on the Property. Discover made sure that we had to verify/correct the title information before they would even continue with the Loan Process! -- - I have spent HOURS on the PHONE. Hours on uploading.. Hours on Scanning. I have jumped through every hoop requested by Discover Bank to keep up with their requests! -- - I was told that because of my partners score we would mostly likely both be automatically DECLINED. -- -I don't understand why they are so " STRICT '' about her score with a SECURED LOAN but they will gladly add my partner and anyone else to my Credit CARD that is UNSECURED. That is, I have the right to add anyone I want to my credit card as long as I accept responsibility for the charges made to that credit card. How come I have the same amount of UNSECURED CREDIT on a CREDIT CARD with the same DISCOVER BANK Backed Company but I can not get a SECURED LOAN with better interest rate? I feel like I'm being pressured into a 26 % PLUS and higher Vairable APR Interest Rate. Is it not fair to SECURE a LOWER Interest LOAN with collateral? Seems like their fair lending only considers how much INTEREST they are receiving!!! I'm being forced into CREDIT CARD SUICIDE where for the rest of my life the Credit payments they received will barely cover interest.They will gladly give me a HIGH INTEREST CREDIT CARD LOAN but not a SECURED LINE OF CREDIT with collateral!? -- I get some bogus Claim/Statment from DISCOVER BANK that CREDIT CARD LINES are different yet when they discuss " home equity Lines '' with the customer SERVICE Application department ... THEIR DEPARTMENT team compares their LINES of HOME CREDIT to " LINES OF CREDIT CARDS '' .. How can you make a comparison of a line of equity to a CREDIT CARD but then when it comes to the final REVIEW they claim they are completely different lines of CREDIT. Seems like I get pitched one thing in the OPENING Sale but when it comes down to CLOSING I get a different STORY! Looks like only the INTEREST RATE is what matters and they want {$400.00} and Up in interest on a monthly basis instead of allowing us to be financially smart & lock in a LOWER INTEREST SECURED LOAN! -- - I have the GOOD CREDIT SCORE. My Partner has more of the Income Score. Sadly, Phyical Home Equity IMPROVEMENTS only count on the BIG TV HOME IMPROVMENT SHOWS! -- I stated that our family bought a 3 acre Diamond in the Rough Property in XXXX and WE would be fixing the propety up. America was built upon the HARD WORK/SWEAT of the back American worker. Even Seems the Television XXXX XXXX XXXX shows advertise the same AMERICAN DREAM! If I were to Hire someone to do Equity improvment it would cost too much to be worth the Value that you can get doing the HARD WORK YOURSELF! I had a painter quote me $ 3000PLUS for a Job that I can do for {$200.00} total. {$3000.00} would use/eat too much of the loan up and that would make the loan a waste of time. -- -- - I have a FEDERAL COMMERCIAL CLASS A CDL. Federal law states that when I'm supposed to rest i have to REST much like a FEDERAL LICENSED AVIATION PILOT. If I get caught doing home improvement projects on the side, and I hurt someone on the ROAD with a vehciled I will go to a FEDERAL PRISON for endangerment of public safety and transportation. -- - I stated that I am not legally allowed to earn all the possible income that I could right now until these HOME EQUITY projects are Completed! -- - Being we are going to improve a 3 Acre Property to Bring in future RENTAL income on CURRENT property seems like a good investment! -- - The money brought in in the future will pay for it self. In fact if we were to just do the HOME IMPROVEMENTS on the funds that we are requesting we could flip the current property that we just purchased for Profit. -- The Real GOAL is me working HARD so our family can move to a family FARM and increase the Future earnings of our portfolio by adding RENTAL Income by opening a Property available to be put on the RENTAL MARKET. I don't see how this is unwise. I don't see how none of this work and/or money that my partner bring in can't be justified as CHILD SUPPORT as the child would have a BIGGER FARM HOME property to run around on.. A better/bigger home environment to live in. My daughter will learn more about Agriculture/Land and Farming. -- - Do not XXXX/XXXX/XXXX Share their Incomes in Their Partnerships and/or loan applications???????? -- - I don't think it's fair that as joint tennnts with right of survivorship that only one can apply as borrower. Don't you think a Fair lending policy would require joint tennants in common shared ownership to both be put as borrowers on the LOAN? Would YOU WANT your SOLE/LLC/Corporater business partner running off with a Collateral Line of CREDIT on a property??? -- -I was pre approved and then denied because of my personal debt/income ratio. They seem gladly to add my DEBT associated with property ownership but not the income assoicated with commone wealth property ownership! -- - They were unwilling to take a voluntary statment of income used for the Daughter that we share together even though their guidelines say they can take advantage of a voluntary statment. I even have a EMAIL that states they have a VOLUNTARY Statment Option! Yet.. they won't share their actualy guidlines with me for " PROPRIETARY Reason ( S )! '' -- - They claim My partner 's income isHIS/HER income yet since we raise a daughter and in the eyes of GOD for our personal Relgious preferences. WE CONSIDER HER INCOME my income and my income her income and OUR INCOME our DAUGHER '' S INCOME! How do XXXX XXXXXXXX couples claim CHILD Credit Associated INCOME? How do Adopting Parents Claim Income? -- - They said that because the income to the Rental property is filed on my partner 's TAX return they could not count or use any of that income. -- However we have saved every Landlord/Tennant application and can prove that both my partner and I are listed as the listed Landlords. All FUNDS get deposited in our bank. I can legally claim 100 % of the FUNDS to my bank just like my joint partner can claim 100 % of those funds. Again, the Bank considers me to have 100 % access to the same funds as my joint partner with no limit/descrition/discrimination. However, since our accountant for whatever tax reasons filed the tax info under my partner I'm now not allowed to qualify any of that income even though it's fair to assume that income would go to the Benefit of the CHILD as well!! -- Even though they only consider the income of the borrower how can they allow only one person from the deed to apply when both people are on DEED/Partnership should be required to file for a LOAN? so ... if a partner fails to pay the loan does not a BANK by LAW have to ask the Other partner on the Deed if they want to assume the LOAN? That is before a bank can foreclose do they not have to give the Partner who did not borrow a chance to assume the LOAN? Or does the bank get the right to foreclose? How is that fair lending for a partner to lose ownership of A DEED for a partner that goes out and secures a LOAN? Is it fair to let just one partner be a BORROWER? I'm pretty sure that like any other COMMON OWNERSHIP the Law would give the chance for the Partner to take over and assume the responsibility of the the loan to avoid foreclosure/loss of ownership on the DEED! It's not fair for only one partner to be a listed borrower if they weren't given chance to Pay the Loan their Partner took out and could not pay off! -- - So how can they give the Loan to just ONE PARTNER? Why is it not fair to count the INCOME of the other partner as a COSIGNER/GURRANTOR? -- - They are discriminating against my income but using all the debt associated with the PROPERTY. Worst part about it. Even though my partner and I are joint tennants in comnmon with right to survivorship because I am applying for the Loan they are not calulating my income ACCURATELY/properly/correctly. -- They won't count the INCOME of my partner but instead are counting all of my partners debt that is linked to the Property that we share in COMMON wealth together. So, they are charging me 100 % for the TAX/INSURANCE and all other debt associated with the property as if my equal partner has no responsibility for that debt! Is that Fair Lending to not count the income of my both my partner and I for a Property that we share in common wealth together??? Yet, they only want to COUNT ALL THE DEBT to a property that we share in common instead to the BORROWER only??? This makes an error in the calulaiton ratio as they are unfarily Increasing MY DEBT BURDEN that I have to pay/carry when in fact it's fair to asssume the DEBT associated with a property that is shared in TENNANTS in COMMON .. The DEBT linkedto that property should be shared equally with all of the PARTNERS just as it would be shared in court if a JUDGE in a court of LAW would hold all debts assoicated with a PROPERTY as 50/50 shared responsibility of the partners that share ownership of that property in common together! My mother and her 3 sisters owned a property as joint tennants together. They shared the taxes and insurance and all other expenses as that would be normal for any corporation, sole proprietership and or any Normal operating LLC partnership! Aren't my partner and I at the very least considered SOLE Propieters? If my partner and I are Joint tennants don't you think it's fair to recaulate the DEBT/INCOME ratio by taking half of the INSURANCE/TAX BILL OFF that our paratnership would legally share together in a joint partnership? Is it not fair/reasonable to assume that at the very least my joint tennant will pay his/her fair share of Property Taxes and Insurance? How is it fair that they will use a guideline policy that will count/increase the debt of the borrower which would ADVERSELY Negatively affect my debt ratio. So, they will count Incurred Property DEBT Ratio to the borrower, yet not count any of the shared INCOME/expenses of the other party listed on the shared deed in common? How is it fair they won't at least deduct the Insurance/Taxes & other bills incurred by the shared property by Half according to the LISTED/FILED DEED? How is it fair to accept and request a voluntary statment from the GRANDPA who has no PARENTAL Legal RIGHTS but not the Mother who is the LEGAL PARENT/GUARDIAN has no rigths to volunteer her income? We have a joint Retirement account. We have Joint Checking. We share all the FUNDS. I have the voluntary permission to use her funds any time I want in regards to the Daugther that we share together! Since we have a joint account and all money is direct deposited.. Is it not Fair to assume that we equally and share VOLUNTARY the same income brought in for the CHILD? That is I can equally claim her income as mine and she can claim the INCOME as well equally for the CHILD that we share! When and if you apply for Social Security or any type of Financial assistance Every income that is brought into a house is considered in regards to the CHILD as one shared income! That is, all GOVERNMENT agencies count the HOUSEHOLD INCOME as ONE SHARED COMMON INCOME. They do not split the income up individually like Discover BANK is trying to do! I just do not see how it's fair to stick me with 100 % of the DEBT for a PROPERTY THAT WE SHARE in COMMON OWNERSHIP yet I can't count any of her INCOME that we both use in regards to shared ownership! I do not see how it's fair that the INCOME we share. We share the income. We are both on the accounts where the income is deposited and FDIC insured. The bank can not distinguish the difference between her income and my income as we are JOINT/SHARED EQUAL Banking Partners listed on the shared accounts. That is the bank only sees a balance and both of us have access to the same balance and desposits made on the account that we share together in as common wealth! We both have the same debit cards linked to the SAME checking/savings accounts. Is it not fair to count a portion of that income as INCOME for the Well being of the CHILD and/orthe shared partnership as tenants in common? They most certainly have no problem sticking me with Insurance/Tax and all the other financial DEBT ( S ) linked to and associated with the subject property in which the mortage/loan application is being applied for!
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A