Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since XX/XX/2019 Discover Financial Services has been attempting to collect alleged debts from me that have already been paid. My account with Discover Financial Services was approved and opened in XX/XX/2019. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with Discover Financial Services. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then Discover Financial Services has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With Discover Financial Services being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully stopped usage of my card ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ( 5 ) ). Discover Financial Services has also fraudulently reported late payments, credit utilization, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted Discover Financial Services by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX balance. In spite of the cease and desist they have still contacted me.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Used the Discover App to pay my Discover Card bill ( {$140.00} XX/XX/22 ) Payment accepted Payment subsequently rejected, per customer service " you may have mistyped the account number '' Charged {$30.00}. Customer service and supervisor refused to refund Closed account and paid off balance. If the payment was rejected for insufficient funds, a fee is understood and acceptable. In this case, there assumption is that I mistyped the account code into the app. The code came back " account not found ''. Discover could not determine what went wrong with processing the payment and could not demonstrate that this was my error. However, even if so, mistyping an account code into the Discover app is very different from 'bouncing ' a check. I was not notified in a timely fashion Discover reps said " they are unable to confirm '' at the time of processing. " Sorry '' There was no warning that using the app exposes the user to a risk of a {$30.00} charge if the payment fails to process for any reason. Had I used my bank 's system instead, this would not have occurred -- the app is a trap. Bottom line : using the Discover app to pay the bill should not expose the customer to the taking of money if the payment fails to process.
Company Response:
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
Company Response:
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed fraud claim n XXXX of 2021 provided police report and discover promised to issue me a check for the full amount that was used because of fraud charges which I never received.
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now XXXX has published a charge-off from Discover Financial Services who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from Discover Financial has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of Discover possessing that repurchase agreement and I never received the REQUIRED IRS XXXX form. XXXX is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. XXXX as well as Discover have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a private student loan with Discover Bank with a variable interest rate. While XXXX interest rates have risen over the past year, so has the interest rate on the loan. In my Promissory note, Discover Bank stated they would be using the quarterly XXXX rate for any changes. However, within XXXX days, Discover Bank has changed my interest rate twice. The first, a slight reduction. The second, a full 1.5 % rate increase. The XXXX rate from last month has gone up .5 %. Discover will not disclose why I received two interest rate changes, they will not disclose why the increase was so much larger than the XXXX increase, and they are not following the terms of agreement laid out in the Promissory Note. This represents the largest single increase I have ever received for this loan, and amounts to a 15 % increase in my payment with absolutely zero explanation other than them notifying me of a change. I have zero missed or late payments on this loan and I have on several occasions paid more than the minimum where financially possibly. I believe Discover is abusing its authority to change the interest rate on my variable loan, as is evidenced by their lack of disclosure, multiple rate changes within a span of two weeks, and an increase far beyond the XXXX increase which they are supposed to follow.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I've been having issues with Discover bank from past year XX/XX/XXXX. I had a lot of unauthorized activities on my account and so I've been back and forth with them. They changed my account and sent me multiple new cards this didnt fix the issues and so fast forward to this year I stopped using the account because I was left with a balance of XXXX to repay all on my own after they made a case and closed the case on XX/XX/XXXX. SO BASICALLY I WASNT GIVEN A CREDIT. I WAS LEFT TO PAY XXXX a payment that was reversed when somone kept logging unto my account.Anyhow being the person that I am I don't like owing bills before all thus I never missed a payment. I called discover to make a settlement on XX/XX/XXXX at XXXX, because my aunt offer to loan me {$7.00}, XXXX a one time settlement. I called discover and XXXX XXXX told me they can only settle to 60 % of the now amount I am owing {$20000.00} ( because of interests and late fees ). This settlement was to last until XX/XX/XXXX. They told me they can't remove them unless I can call billing and report the previous fraud charges to see if they can remove some of the charges so that I can get a better settlement amount. XXXX transferred me. The agent agent in Fruad told me she was gon na investigate within 24 to 48hrs Anyhow I waited for 24hrs to check back my account when I checked I now owed. XXXX this agent added extra owings on my account because basically discoverbank now charging me twice for the SAME charges that were already returned to my a/c ( XXXX ). However on top of that she added a XXXX plus a another XXXX and a XXXX. That total it to the XXXX call on XX/XX/XXXX and spoke to XXXX from Fruad and she understood what I was saying so she removed the XXXX from the account which take the account to XXXX. When she was about to remove the other charges she said she going in a meeting so she will call me back. She didnt so on XXXX I called again and spoke to XXXX. I explained to him everything hower clearly he didnt understand me because my acount was now to to XXXX. XXXX added back the XXXX plus an additional {$2400.00} on the account. So on XXXX I called again for them to fix this issue so that I can move forward with the settlement that XXXX gave me. However the system was now saying that I've made a payment which brought my a/c current.this is because when XXXX and the other agent change something on the ac it was saying that its paying I was paying these amount and they they got reversed. Which is not true because I didnt make any payments. Its what they did in the system that was causing this.This caused the system to say I'm no longer qualified for a settlement. This is unfair to me because I called discover everyday after that for them to fix the issues and they kept hanging up on me, transferring calls and also kept adding and removing funds from the ac to fix what the first lady did. I called on XX/XX/XXXX and spoke to XXXX and he was able to bring the account back to where it was from XX/XX/XXXX. I also spoke to someone in hardship /settlement and he told me that I can schedule a payment for one nighty something and it wont make the account current however they wont report me to the credit bureau however settle would still be available to me until XX/XX/XXXX. Note Ive called everyday from the XXXX trying to get the settlement but because of the discover bank staff negligence the system was saying saying I did make a payment and no settlement available to me even tho I have a letter that says I have it until the XXXX if I don't pay over {$600.00}. Note I didnt pay and still it wasn't available to me. XXXX called the XXXX to the XXXX and still they told me no settlement was available ( note i stoll didnt make a payment ) however the system saying otherwise. I went as far as suggesting they manually give me one then. So they transfer to to a supervisor after being hanged up on by multiple agents or being transfferd. I finally spoke to supervisor XXXX and explained my plight told her I need a settlement. She told me she can give me the original offer however I can call her back when I have it. Me and her went bacl and forth for couple days in XXXX until finally I raised {$11000.00} and I called and say I can pay this now. She then said that's not enough so she is gon na transfer to to someone that can help she transferd me XXXX from fraud he was saying they cant chabged what the system is saying even though they were the ones that went into the system and mess it up.he transfered me to XXXX then I was transferred vack to XXXX who was so rude she told me she cant help me eventhough I have the {$11000.00} because she can not give me a settlement if she system is saying I dont have one available for me. Note I've been calling Discover bank from XXXX XXXX almost everyday been on the phone for hours. Just to hear that the settlement was no lone available to me even though I have a letter saying I had it until XX/XX/XXXX. I spoken to multiple agents, XXXX from Ohio. XXXX from Fruad, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( collections ), XXXX, XXXX who hanged up on me, XXXX, XXXX, XXXX ( Ohio ), XXXX, XXXX, XXXX, XXXX,, XXXX ( she understood everything that was happening however she couldn't change the account it had to change by Fruad ) she was also the first agent to note the account so that I didn't have to be repeating myself constantly after talking to all those agent daily for hours, XXXX and XXXX, XXXX, XXXX XXXX, XXXX XXXX then XXXX then XXXX theb back to XXXX the rude supervisor from. Hardship with no empathy. XXXX claimed that because I got a credit they were being reversed and that's why the accounts was saying current which is not so. Discover closed all cases of Frauf From XXXX and so aby credit and anything that was going was already reversed and closed. That why I had the final bal of XXXX. For everything the agent changed on the account there was a corresponding charge already from previous account and so basically discoverbank was charging me twice. When I called for them to fix the issues they credit the account the with amount and so the system was saying I paid this which and didn't. None of the agent knew how to reverse what the first last did on the account so the it would say the account was in a derogatory state as it did before. And so they kept giving me the run around for weeks. They also tried twisting and telling me lies that it was me making payments online and they were reverse and that's why the account was saying current. When it was them have the access to do that. I am stressed and frustrated sometimes I have yo cried because Discover bank did me dirty. And in the end XXXX told me that I can do whatever I please but she can't give a settlement if the system not saying it. I can go bankruor can even report discoverbank. Because I suggest that I will. She didnt care. None of the agents cared. I'm sick with phonmonia and I am currently unemployed with XXXX children and I raised some money to pay discoverbank and they refused it and did me dirty. Desired Settlement : They need to manually allow me to get the settle cause it was their negligence ; The supervisor XXXX told me I can file brunkpucy or report then to the financial board cause she can't help me. Even though she dragged me along ; I don't get enough writing characters to explain better. The pain and suffering I've been going through because of Discover bank is painful and affecting me and my children. I will upload the letter and the hours Ive been on the phone with Discover. Please feel free to contact me for more explanation and information thank you.my contact # XXXX
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my rights has been violated as a consumer because On or around XX/XX/2022 I ran across an ad from discover that I have attached to this complaint. It does not state anything about a hard pull to my credit report. I never authorized Discover to report on my credit report at all. Not only is this identity theft related because I did not authorize for Discover to report the inaccuracies on my credit report. The information that they advertised was very misleading and it did not mention anything about reporting on my credit report at all nor did I give them consent to report to my credit report.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A