Date Received: 2023-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identy has been used to open credit card accounts .This is fraud and i have notified the origional creditors of this fraudenulent issue.
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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 returned a jacket and hat I bought on XXXX with a XXXX XXXX return label the merchant provided me and the merchant has not gave me my refund or any resolution and is unresponsive to me. I disputed the charge through the credit card issuer I payed with, discover and they closed the dispute in the merchants favor after the merchant provided them my transaction info and the shipping info for the goods sent to me. I sent all my return documentation to discover and they did not even acknowledge it and are saying I am liable to pay the full amount of the original transaction even though I returned the goods. The total transaction is {$3100.00} I had a designer jacket and a hat I returned. The dispute number with discover is XXXX. XXXX also did not even acknowledge my return at all in the documentation they sent discover. I have contacted the merchant again and they are still unresponsive on any refund at all.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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 am writing to express my deep concern and frustration regarding a dispute case related to a transaction with the merchant XXXX XXXX XXXX, for the amount of {$1000.00}. Despite my efforts to resolve this matter with both XXXX and Discover, I have yet to receive a satisfactory resolution and feel compelled to seek assistance from the Consumer Financial Protection Bureau. On XX/XX/XXXX, I returned the package associated with the aforementioned transaction. I took the necessary steps to contact XXXX and initiate the return process. The tracking number XXXX confirms that the package was successfully returned to XXXX. Furthermore, XXXX themselves have acknowledged the return in the documents I provided to Discover. However, I find myself in a perplexing situation where Discover claims that I did not provide the return label for the transaction in question. I want to emphasize that I did indeed include all relevant documentation, including the return label, in the communication with Discover. It is disappointing to be met with this assertion despite providing clear evidence to the contrary. I am committed to resolving this matter in a fair and just manner. I believe that the evidence at hand, including the tracking information and the confirmation from XXXX, supports my case. I have made multiple attempts to communicate with Discover and have provided all requested documentation to validate my claim. Despite my efforts, I have not received the resolution I deserve. I kindly request the Consumer Financial Protection Bureau to intervene and facilitate a prompt and equitable resolution to this dispute. I have been a loyal customer and have diligently adhered to the necessary steps to address this issue. It is my hope that your involvement will bring this matter to a close and ensure that I am not unjustly held responsible for a transaction that has been clearly resolved. Enclosed with this letter, please find copies of the relevant documents, including the return label, tracking information, and correspondence with both XXXX and Discover. I am ready and willing to provide any additional information that may be required to expedite the resolution process. Thank you for your attention to this matter. I am hopeful that with the assistance of the Consumer Financial Protection Bureau, a favorable resolution can be reached promptly. I look forward to your prompt response.
Company Response:
State: MN
Zip: 55109
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I do not recall opening these accounts
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute these Discover Student Loans for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and more.
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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 would like file a complaint against Discover for going against the guidelines outline by the Federal Trade Commission ( FTC ), of making a credit card dispute, in trying to resolve a dispute I have against XXXX. ( XXXX XXXX XXXX XXXX ) Per the FTC, a consumer may file a dispute against a merchant if items : 1. Weren't delivered as agreed ; or 2. Where youd like an explanation or clarification or a written receipt. Contrary to the dispute process regulated by the FTC, this has not been my experience with both XXXX and Discover ; and in order to close my dispute, Discover has accepted a insufficient response from XXXX which doesnt fully address my complaint ; AND which has inaccurate information, despite me pointing this out to Discover. Opposed to addressing these inaccuracies, Discover is saying that I have to address this with XXXX, which defeats the purpose of a dispute with the card issuer. I placed an order with XXXX for {$4300.00}. Because of the high dollar amount, XXXX REQUIRED that the package be delivered upon giving the delivery driver a secret one time password ( OTP ) that XXXX provided me. As stated earlier, a consumer can file a dispute against a merchant if the item wasnt delivered as agreed. Because XXXX never delivered the package to my home as agreed ; AND therefore, the delivery driver never received the one time password ( OTP ) that was REQUIRED to be given to him in order to complete the delivery, I asked Discover to request proof of delivery with the OTP. When I brought this to Discovers attention, Discover told me that thats not their problem. Again, per the FTC, a consumer can file a dispute if a package is not delivered as agreed! The package never arrived to my house, AND the use of the OTP is THE ONLY THING that would have confirmed that the package was delivered to the right place or person. In fact, in an email I already provided Discover with regarding the XXXX, XXXX said For security, you'll need to read this one-time password to the driver to receive this delivery. ( https XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) When I brought this to Discovers attention, the only thing that Discover provided me was a receipt from XXXX delivery driver record, saying that according to their delivery driver, the package was delivered to my address. XXXX intentionally and cleverly never mentioned that this was an XXXX delivery, nor did they provide proof that the XXXX was given to the delivery driver. This goes against what was agreed upon by me and XXXX. In fact, I provided Discover proof that the driver himself was trying to deliver the package without the XXXX because the delivery driver sent me a text that I later discovered, asking me where should he leave the package in my absence. If a driver was supposed to deliver a package upon receiving a specific password, theres no way he could be asking me where he should leave my package in my absence. I didnt see the text message at the time, and therefore never responded to it. Nonetheless he delivered the package to somewhere without the XXXX. He never delivered it to my address because I have cameras on my property to prove it. Because Discover refuses to accept the video surveillance evidence I have of my property as proof, the only thing that can prove if the delivery was properly delivered or not is a receipt from XXXX showing if the driver delivered the package with the XXXX, AND a printout of what XXXX the driver inputted into his device. Again, I refer back to the FTC guidelines, in a dispute, a consumer is allowed to get an explanation or clarification or a written receipt. I have asked both XXXX, AND Discover to provide me a copy of what the driver had inputted into his device as the proof of One Time Password, to prove that XXXX didnt deliver the product as agreed. XXXX is strategically covering up the driver never delivering the package by showing the drivers statement that he delivered the package, without furnishing proof that the delivery driver used the OTP for the delivery, which was required. Discover refuses to require XXXX to provide this proof, and upholding their rebuttal. This is a sham investigation. I have been using XXXX for years. The delivery driver for this package sent me a text asking where he should leave my package. Since my address is a private residence that was listed on the package, where else would the driver leave the package other than the address listed on the package??? In the YEARS that I have been using XXXX, NOT XXXX XXXX driver EVERRRRR arrived to my property and asked where he should leave a package. Dont you find it weird that this driver is the ONLY driver in my whole entire history with XXXX couldnt figure it out??? The driver likely delivered it somewhere else. Because I know that this package couldnt have been delivered as agreed, all is ask is that Discover ask XXXX to provide proof that the package was delivered using an XXXX, and send a printout of what XXXX was inputted upon delivery before denying my claim. Again, per the FTC, in a dispute, a consumer has the right to explanation or clarification or a written receipt. I am not asking for favoritism, Im just asking for proper proof of delivery. Even further, I have tried very very hard to resolve this issue with XXXX before going to Discover but they were not being helpful at all. I have also pointed out to Discover that XXXX lied in their response to my dispute by saying that I never filed a never received merchandise claim, when only the opposite is true. Please properly address my issues. Please
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I only purchased chicken tenders, nothing else! XXXX employee did NOT give me receipt as they ran out of receipt tape!! The other items on the " alleged '' transaction are NOT mine!!!
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XX/XX/2023 I was charged 4 times in the amount of {$99.00} to XXXX on the same day. I emailed the corporate representative at Discover to resolve this and received no response. I would like an explanation of why I was charged 4 times in 1 day for the same amount.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A