Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY
Company Response:
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The series of events here are indicative of a bank weighing risk, making their buck, and completely disabusing a customer of their humanity. Discover closed my credit account I've had open for four years. In four years I've never missed a payment, they've made plenty of money off interest from me, and I've not had any complaints. In XXXX I paid off an {$8000.00} dollar balance on my card after using a balance transfer they assessed a {$500.00} dollar fee on for terms of payment over a year without fees. I paid that entire balance off in the same month I transferred it. In XXXX they closed my account without notifying me, although they said they left a voicemail. The timing of this is incredibly suspect. This was an account I had spent the last four years building and arguably my largest available balance by far. I am currently in process of purchasing a home and this is going to tank my score based on credit utilization. In addition to this, I still owe them money from the balance transfer and they won't waive the rest of it. They nickel and dimed me ( an expression in this economy ) for late fees, transfer fees, and interest on transfer fees. Then they dropped my account. This really feels like they weighed the risk of maintaining me as a customer, decided they got their money ( and then some, ) and then scooted me out the door. " There is no way anyone above me in any department can waive this fee for you. This is not a customer retention issue because you aren't a customer. Your account is closed. I'm sorry to hear you aren't interested in opening another account with us. I didn't elect to close my account. You just randomly decided to verify it for the first time in four years and didn't hear back so you closed it out from under me after collecting your money. This is criminal.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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: 33604
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at XXXXhe point of giving up. Discover keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company basically denied my verified FTC report # XXXX, also my verified IRS claim of idenettity theft ( Notice XXXX ) dated XX/XX/19 prior to this incident i was already compromised. Not my fault i dont own the SS #
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: As of XX/XX/XXXX, I requested the following information from Discover Card : 1. A True Bill for the alleged debt associated with Discover Card Account Number XXXX. 2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 3. What was the the reinvestigation process and who furnished this information? I clearly stated that, in the event Discover Card failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. It has come to my attention that Discover Card has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. Furthermore, I would like to emphasize the importance of Discover Card adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. In light of the above, I believe that Discover Card may be in violation of federal laws and regulations related to credit card practices, specifically in regard to Discover Card Account Number XXXX with account balance of {$1100.00} XXXX kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Executive Office of Discover Financial Services XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX , Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with DIscover ; there was no respect for me. XXXX I have yet to receive a response from the this very profitable company.
Company Response:
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiry was submitted that I did not complete on my credit report
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Executive Office of XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with XXXX ; there was no respect for me. XXXX I have yet to receive a response from the this very profitable company.
Company Response:
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. I hope you can help me with this situation. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A