Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is currently reporting as a charge-off. Im requesting a XXXX for this consumer credit transaction.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover card is not mine, still on credit report
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months. I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a special rate balance transfer offer and took advantage of the offer by transferring {$12000.00} for a fee of {$600.00} with 0 % interest until XX/XX/XXXX. Two weeks later, the autopay function deducted the entire amount back out. I called to explain the balance transfer has always been separate from my regular monthly transactions and should not be included in the autopay amount. They told me the payment had been processed, and they could do nothing. I asked for the {$600.00} to be refunded since I did not receive the program benefits and was told it was too late. Not only is it illogical for the billing system to include an entire balance transfer in the statement balance autopay. I have done balance transfers numerous times, and the transfer amount is separate from my normal transactions- especially since I have until XX/XX/XXXX to pay it. I have been a customer since XXXX and was told there was nothing they could do - I am out the 0 % financing and the {$600.00} fee.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was a victim of fraud these cards were open with out my consent and knowledge.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is XXXX, XXXX here on behalf of XXXX XXXX XXXX applied for a Discover It Card for family and household purposes on XX/XX/2023 application number ending XXXX. I received a denial which caused me and my family great harm. Regardless of the reason for denial I have a right to CREDIT and denying me an extension of credit is discrimination pursuant to the EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDNG ACT, AND CONSUMER CREDIT PROTECTION ACT. Also withholding my securities is SECURITIES FRAUD. I sent a counteroffer to Discover certified mail XX/XX/2023 as i assumed the denial was an error. If this can't be rectified immediately I instruct Discover Bank to RETRACT my application, and place a stop payment on any XXXX 's as i have recieved no benefit nor preauthorized any transactions.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed an account on my credit reports from a company called DISCOVER BANK that I never had any business relationship with. DISCOVER BANK was attempting to collect on a an alleged debt in the amount of {$2300.00}. I have had my identity stolen and sent DISCOVER BANK a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent DISCOVER BANK account with the credit bureaus. DISCOVER BANK however continued reporting this fraudulent DISCOVER BANK account with the credit bureaus. XX/XX/2023 I noticed DISCOVER BANK still reporting this fraudulent DISCOVER BANK account with the credit bureaus. I then sent DISCOVER BANK a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between DISCOVER BANK and myself and the original application for the account. DISCOVER BANK violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) DISCOVER BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. DISCOVER BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent DISCOVER BANK account XXXX, XXXX and XX/XX/2023 on my credit reports. I then sent DISCOVER BANK a FAILURE TO RESPOND letter via certified mail XX/XX/2023. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. DISCOVER BANK violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) DISCOVER BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. DISCOVER BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, DISCOVER BANK FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. DISCOVER BANK violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent DISCOVER BANK account XX/XX/2023 on my credit reports and it is still there as of this filing.
Company Response:
State: IN
Zip: 46516
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent the documents XXXX required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. An XXXX rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. XXXX is not a reputable credit company. No company should give so many problems, it's unusual. Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against XXXX over this issue. My credit score was XXXX now its XXXX because of a false account that XXXX has received all documents requested to remove as well as my formal request to remove it. They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. No supervisor has called, nothing they say is accurate, and its been 12 weeks, in which time I requested a call no one has called.
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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 disputed a charge from an item I purchased online and never received. I provided my phone records and screen shot of my emails to prove that I tried to contact this merchant many times not to mention trying to reach them at their physical store during their business hours many times and was not able to contact anyone for months and months. There is nothing more I couldve done to try to resolve this issue on my own. And so after many months I contacted Discover to dispute the transaction. I dont believe they even did a sufficient investigation before closing my claim. They closed it based on the premise that the merchant did not respond to their inquiry. Isnt that a given that a merchant that is fraudulently taking money from their clients is not going to respond?
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A