Date Received: 2024-01-03
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: Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. Thank you so much for your help. Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXXXXXX XXXX XXXX XXXX XXXX XXXX Executive Office of Customer Advocacy Public
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Discover Bank, underscoring significant concerns related to potential violations of privacy laws, particularly emphasizing the lack of adequate disclosures regarding opt-out rights, and drawing attention to the provisions of The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ). As a responsible credit cardholder, I expect financial institutions, such as Discover Bank, to uphold the highest standards of transparency, fairness, and compliance with pertinent regulations. Recent observations have raised serious concerns, necessitating a thorough investigation into the practices of Discover Bank. My primary concern revolves around the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a critical aspect of consumer privacy. Section 15 USC 6802 ( b ) ( c ) mandates financial institutions to provide clear explanations on how consumers can exercise their opt-out rights. However, it appears that Discover Bank may not be effectively communicating this crucial information to its cardholders. Furthermore, the absence of information regarding the option to opt out, a right afforded to consumers under 12 CFR 1016.7, is deeply troubling. This omission not only hinders consumers from making informed decisions but also raises questions about compliance with regulatory requirements mandating the provision of clear and accessible information regarding opting out. In addition to the lack of opt-out disclosures, my concerns extend to potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ). Section 602a of this act underscores the importance of financial institutions exercising their responsibilities with fairness, impartiality, and utmost respect for consumer privacy. Discover Bank may not be fully compliant with these provisions. Moreover, the apparent lack of information regarding opt-out options may indicate a broader issue of insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits financial institutions from disclosing certain adverse information without proper authorization, underscores the necessity for clear and explicit privacy disclosures, particularly in light of the provisions of The Privacy Act of 1974. Additionally, under 15 USC 6805, I note that the privacy notice included in the terms and conditions reveals the involvement of third-party companies, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX . This implies that my privacy rights may have been violated by Discover Bank under both The Privacy Act and the terms and conditions. I am also aware that 16 CFR Part 313 outlines requirements for financial institutions to inform consumers about their privacy practices and rights, and 16 CFR 433.2 further delineates specific requirements related to creditors and consumer leases. Furthermore, I emphasize the critical importance of 5 USC 522a, particularly in relation to identity theft. Protecting personal information is paramount in preventing identity theft, and Discover Bank must adhere to the highest standards in safeguarding consumers ' sensitive data. I suspect that Discover Bank may have falsely used my identity, and I draw attention to 5 USC 522a, which prohibits the unauthorized use of personal information. Adding to these concerns, Discover Bank appears to have violated FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), as the law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. Any such violation contributes to a breach of consumer trust and a failure to adhere to the fundamental principles of consumer protection. Finally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, emphasizing the importance of furnishing accurate information to consumer reporting agencies. Any failure to ensure the accuracy of shared information may potentially contravene this stipulation. In light of these grave concerns, I urgently request that the Consumer Financial Protection Bureau conducts a thorough investigation into the practices and procedures employed by Discover Bank. Additionally, I implore the Bureau to address the lack of opt-out and privacy disclosures, considering The Privacy Act of 1974, 15 USC 6805 , 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), and take appropriate measures to ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to safeguard consumer rights Account name : DISCOVERBANK Account number : XXXX Date opened : XX/XX/XXXX Balance : {$2300.00}
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am submitting a formal complaint against Discover Bank, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible account holder, I expect institutions like Discover Bank to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Discover Bank 's practices. My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Discover Bank may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Discover Bank may lack full compliance. The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information. Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Discover Bank, contravenes the law. Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld. In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Discover Bank 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau wi ll take necessary steps to safeguard consumer rights.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello there was a fraudulent opened discover credit card in my name without my permission. I did not authorize this account to be opened in my name. I have contacted discover several times to close this account and remove this debt and account from my credit report discover have refused to help. I have sent discover multiple police reports, identity theft reports. I have several letters from discover stating I owe a XXXX balance and the account would be removed from credit report and they still have not removed.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Hello, I recently checked my XXXX XXXX account and I have XXXX cards in my name that I did not apply for. A XXXX XXXX card, a discovery card, and an XXXX card. Ive never received any of the cards but they all have a balance on them. The discovery card has been charged off at XXXX. I barely have enough money to pay my bills XXXX can not pay for something I did not use.
Company Response:
State: LA
Zip: 71457
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have not been receiving e-mails or statements every month I have to ask for a new statement this month I think they just changed something and didnt replace the statement. So I have no statement and I get a text from discover and it says I owe a XXXX minimum payment. So I scheduled it for the XXXX. Then because Im not getting my statements I decided to pay off my cash advances. So I scheduled a payment for the XXXX of XXXX and on the XXXX for XXXX and the XXXX was in place for the XXXX. Today the XXXX I called to see where my XXXX payment was and they said no its XXXX. I am frustrated to no end Im not getting my statements and the agents are telling me different from the texts.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested that Discover credit card submit to me a validation of debt owed on XX/XX/2023. They have failed to respond within the required 30 days
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
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: Discover Credit Card Services : I am a XXXX XXXX who was XXXX XXXX XXXX for the pre-release XXXX XXXX before XXXXXXXX XXXX I noticed my discover credit card was being used for monthly payments for the service. I do not use the service, and even my cable provider includes the service ( XXXX ) with the subscription. I disputed previous cases with discover and never have been turned down by the dispute process. However, in disputing 8 months at {$10.00}, I am being turned down, despite ample proof of XXXX for all of these months. The reason is that the " company responded '' to the dispute.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I opened my discover credit card in XXXX of XXXX and was making on time monthly payments for almost a year straight then in XXXX of XXXX the reason I missed the first payments on my account was due to a medical emergency I was hit by a car in XXXX of XXXX and I was out of work for XXXX weeks due to my XXXX and XXXXXXXX and financially it was one of the worst times of my life as a single mother I feel behind on everything. In XXXX of XXXX my client who I had been doing XXXX for almost 2 years passed away. I became XXXX in XXXX of XXXX and was unable to find a job I just had my XXXX in XXXX of XXXX. The first month after my injury was financially the most difficult time of my life and this is when I missed that single payment. I wish I could of kept up with my end but I feel behind on everything and Im just now catching up but this on my record for the future of me is going to stop me from a lot of things I financially take responsibility but I ask that you please give my account a good well credit. Your taking me to court for XXXX and I just had a XXXX for the last 2 years I was in employed
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A