Date Received: 2019-10-30
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: On XX/XX/2019, I mailed in a dispute to XXXX, XXXX and XXXX Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from XXXX stating the account is now being reported on my credit report, again, because they receive information from Discover Financial Services stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with XXXX and Discover to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I started my bankruptcy procedure in XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, XXXX. Before the bankruptcy procedure I initially wanted to avoid the Bankruptcy due to the negative impact it would have on my credit rating in the long run, so in order to exercise other avenues I went with Consumer Credit Counseling of XXXX XXXX, Iowa.The approximate date was XX/XX/2019. Prior to this I initiated a Debt Settlement Plan with a company in Texas, that turned out to be fraudulent ( I sent them XXXX to procure a settlement lawyer ). Through research and a few unsettling problems with the company I decided to work with the XXXX XXXX XXXX XXXX in XXXX XXXX, Iowa. During this time my counselor was trying to work out my financial budget plan for repaying each creditor. He stated that Discover would not work with the monthly payments that we decided on, which I believe was approx. {$100.00}, they insisted on {$300.00} down and after that $ XXXX- {$150.00} approximately paid monthly. My counselor advised me that my best option would be to file bankruptcy. After that I received a summons ( on XXXX ) stating that I was being sued. I was not informed prior to the summons that Discover Card was in the process of suing me nor did I receive a warning by written decree within an amount of time that would be viable to act upon in order to resolve the issue. During my Bankruptcy filing I received another summons in the mail stating that a date was officially set for a court hearing ( a response would be needed from me before the court date was set ). So, in order to avoid going to court I decided it would be in my best interest for my protection to pay the full amount needed for the bankruptcy to be closed ( which was XXXX ), then I was told by my lawyer that Discover would not take action any further.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I'm still workikng with XXXX XXXX from Discover Mortage! I was told to Start a New Application. This time I was informed I'm pre-Approved. The Loan is in the final Stages. I was asked to take care of 2 debts listed on Credit Report. The following are the debts listed on my XXXX Credit Report : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1300.00} XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX -- -- I called the XXXX XXXX and they said they could not take the Payment. They referred me to the XXXX XXXX! -- - I called XXXX XXXX and a SUPERVIOR XXXX advised me I could pay the whole debt off yet she tranfered me back to the Calling Q hotline. -- The Next Service Agent at XXXX XXXX said they could not take payment and that the DEBT had been transferred to XXXX XXXX XXXX XXXX -- - I called XXXX and the Receptionist transferred me to various voice recordings. -- - XXXX XXXX Voicemail was RUDE. She said if you did not leave the information that she DEMANDED/ '' REQUIRED! '' she would put your name at the bottom of the list and may possibly " DELAY '' ever calling you back. -- - The Voice mail of XXXX says FEDERAL LAW REQUIRES the information! I was under the understanding that FEDERAL LAW protects your privacy especially when asking for PRIVATE/PERSONAL information. I left my name/phone number and did not get a call back in the 48 hours that was promised. I left several voice mails over the last WEEK. The only one that answers is the SECRETARY. They try to use the XXXX building as their office and list the BUILDING on their AD in a FRAUDULENT manner. Today, the SECRETARY hung up on me, yet XXXX XXXX the Creditor said they verfied a PO BOX as to where to send payments too ... They said my payment may get lost/stolen. I called Discover and was told they would document my concern. GUIDELINES require Discover to use " SEASONED '' Funds that have been in my Bank account for over 60 DAYS. I notified DISCOVER that I would most likely be able to get contact with XXXX. Most likely they would not respond to my calls NOR send me a receipt as they have over 30+ complaints about how shady they are. Many have complained about stolen money.. Not getting propper credit and the RUDENESS in which this company treats their customers. Discover said she would and I quote " HEAVILY '' Document/notate my concern and that all I should need to prove is the CHECK for the Exact amount of what is listed on the Credit report to prove that the Payment was made.. I was told to provide the check and any possible info that would prove my case yet NO GURANTEE that they would accept the evidence in which I provide them! How can the ORIGINAL XXXX XXXX that hired XXXX XXXX not know that XXXX XXXX assigned their Debt to XXXX??? How can XXXX XXXX the DEBTOR not take payment? How can I pay a debt in which the XXXX XXXX XXXX PA does not answer or respond! I even spoke with the LANDLORD/Owner XXXX of the XXXX XXXX XXXX. Due to the complaints and people they posted a note that the XXXX does not have a office there. In fact I was told they have not had an office for over 12 years. They have a posted note in the lobby that states they just receive PO BOX there. I'm guessing i'm not the only one with problems by looking at the online complaints. Many go in with their " SEASONED '' checkbook and sadly have to wait for the XXXX XXXX to call them back! They should not be allowed to be associated with LAW or call themselves any type of attorney! I was told that My LOAN may get DECLINED as I am required by their set of guidelines to settle this debt before they would approve the LOAN! Again, I was promised they would DOCUMENT with no gurantee. I let them know that with all the PROBLEMS I have had I would be adding this complaint until the issue is resolved! The Second Debt Collector was XXXX XXXX XXXX Student Loan. This is a legitmate company that will send me receipt. Will answer any phone calls. They were able to setttle the Debt right on the SPOT as a REPUTABLE company should! I had to drive down town to the XXXX OFFICE twice and pay for metered parking to find that FRAUDULENT company just uses a PO BOX ! I took photo copy of my check. I requested a SIGNATURE from the POST OFFICE. Over {$7.00} to ensure the XXXX XXXX accepts my Payment! I enclosed a DETAILED Letter to XXXX with all the Information that XXXX had requested on her Voice mail! This should prove that I have made every attempt possible and should not constitue DISCOVERS Automatic DENIAL of my application! Hopefully, Discover will HONOR what they said in documenting all of this information but at this point I HAVE NO IDEA!
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For the past several months, I have been in constant contact with XXXX with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), Discover ( {$16000.00} )
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In the Month of XX/XX/XXXX I had been struggling to make my payment on my DISCOVER CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I can not see any of my recent transactions since XX/XX/19. I've tried every link and pathway online to retrieve the transaction statements and spent an hour online stating the problem. I was then told to contact the 24/7 call center. They've not provided a reference number and the service was beyond slow and not helpful.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been paying for charges that i didnt performed on this card for almost a year. i want this report so i an escalate this to the next level. since i didnt performed this charges.
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recently applied for a Discover IT Miles credit card, I was approved for the card, received the card and when I tried to activate the card I received a call from Discover asking me if I can send them a 4506-t form. I sent them the form and shortly after they received the form from the IRS they closed me account. They closed my account based on past information.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A