Date Received: 2022-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by Discover Financial Services on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. I can't understand then who made those 3 inquiries and why it's reflected on my account.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX sent DISCOVER certified mail a affidavit with violations that they committed. This resulted in DISCOVER closedown my account without my permission, which is a violation under the of Permissible Purposes 15 USC 1681b. I was not compensated for the other violations under FCRA and TILA. I sent them a NOTICE OF INTENT TO ENFORCEMENT, stating where they were in violation and how I rather handle this out of court and not wasting anyone time, especially the JUDGE.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
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 made an online purchase in XXXX on my Discover card for {$470.00}. Monthly I contacted the company, XXXX, to get updates on merchandise. In XXXX, XXXX stopped responding and the web site disappeared. My merchandise was never delivered. I alerted Discover by phone end of XXXX and sent the documentation I had on the XXXX of XXXX including my original order, all the correspondence I received and sent from the company as well as the fact that the company no longer had a web site and was no longer responding to emails. Discover did an " investigation '' and despite not talking to the merchant or having any evidence that my merchandise was delivered found the charge valid and will not refund my money.
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have an account thats not mine and its reporting negative
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has breached their fiduciary duty and acted in bad faith. For numerous months, I begged XXXX to conduct a reasonable investigation into the accounts mentioned below. I was told on numerous occasions that the accounts were verified by the creditor. XXXX has gone as far as to say they will no longer investigate this matter. I have reason to believe XXXX had actual knowledge that the following organization induced me into adhesion contracts and was unjustly enriched because of it. I was unaware of any legally binding contract I had with any of the mentioned organizations due to the fact there was no mutual accent. I received no benefit from these credit transactions. XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX BANK XXXX XXXX {$7400.00} DISCOVERBANK XXXX {$11000.00} XXXX XXXX {$4800.00} I have reason to believe my financial institution targeted me because they knew I wouldnt be able to understand the contents or procedures for opting out of a contract. My nonpublic personal information was used against me under false pretenses to coerce payment on these extensions of credit. I was never explained how to opt out of the disclosure any negative information that would jeopardize my consumer reputation if I didnt adhere to the terms. Upon further investigation, I uncovered that I was induced into an unconscionable adhesion contract that I feel would have been uncovered by XXXX if a reasonable investigation would have been conducted. I was told by these organizations that I would be receiving an cardholder agreement and loan disclosures of terms I had to adhere to. I was never given an option to opt out of anything. I would never knowingly agree to terms and conditions that would adversely affect me my right to operate in commerce and force me into peonage. Given the option, I would have chosen another financial institution. The mentioned organizations have engaged in racketeering activity by taking action to enforce these adhesion contracts and XXXX was knowingly complicit in this conspiracy to engage in human trafficking. This fraudulently furnished information violates TILA, FCRA, GLBA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, CFPA and RICO Act. In accordance with TILA, the finance charge is the sum of all charges. The above-mentioned financial institution included a provision in their agreements to embezzle my monthly credit balance. I would have never agreed to that provision if I was made aware that it existed. All payments made on this account were a result of threat, duress, and coercion due to undue influence. I explicitly disaffirm any alleged contract, whether, implied or explicit, between I and the financial institutions mentioned above. Due to unauthorized use of a credit card due to the above organizations acting in bad faith, XXXX was unjustly enriched. I am requesting copies of documentary evidence of the obligors indebtedness to the above-mentioned financial institutions. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The above-mentioned creditors may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. I disaffirm any alleged agreement or provision, whether implied or explicit, with XXXX that allows the furnishing of negative information to nonaffiliated third parties. I would never knowingly consent to the furnishing of any negative information that would jeopardize my consumer credit reputation with other financial institutions.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
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 paid for an expensive website design and build with the Discover card. The company concerned, initially refused to build the website, claiming it was outside their area of expertise, after I had already paid with the Discover card. They relented and claimed that they had assigned a senior manager to manage the build. The manager proceeded to ignore my instructions and did not use the photos and videos that I carefully provided in their portal. After some weeks had gone by, I received the link to look at the draft website. It had not used any of my photos or my videos, and was very amateurish. The manager refused to meet with me in a reasonable time to find a resolution. It was clear that the company would be unable to create a professional website. I asked for the project to be terminated, and that a full refund would be placed to the credit card. The company refused to refund the money. I contacted Discover Card and a dispute was opened. Discover Card found in my favor, and refunded all the money to my card that had been paid out to the company concerned. The company concerned then submitted their documentation to support the charge. They claimed that they had built the final website, which was not true. They claimed this despite the fact that there is no website available at the URL that they were supposed to use, or any other website URL for that matter. They claimed that I had signed an agreement, which I had not. I paid over the phone, and then they must have created an agreement when I submitted the documents for the website. I contacted Discover Card and provided many pages of documentation to prove my case. The company refused to provide me with the recording of the initial call to order the website, which would have further proven my case. Discover refused to believe me, despite the fact that no final website was ever built, and the draft website was not what I ordered. I then closed the Discover Card account to prevent Discover Card from charging interest and late fees. This occurred last XX/XX/2021, and Discover has been charging late fees and interest since that time. I have never paid Discover Card late fees and interest in all the 10 or more years I was a customer. My bill has always been paid in full at the end of the month. I have called them numerous times, and they refuse to consider my case. I urgently need help to resolve this matter. They are ruining my business credit. I had not been aware of how they operate, never having been in this type of situation before. Consumers need to be protected from these underhand business practices. The company concerned offered a partial refund, which DIscover Card could have accepted to cover their expenses if they wanted to find in the merchant 's favor. They have not accepted the offer, and are still expecting me to pay the year 's worth of late fees and interest, as well as the original charge. The credit card was used to purchase this high value item, because of the fact that a credit card is supposed to have effective dispute resolution processes. In this case, the dispute resolution has been used to ruin my business credit in the attempt to make me pay for a service that was not delivered.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
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 placed an order through XXXX ( XXXX # XXXX ) on XX/XX/XXXX for a total amount of {$7200.00} paid by my Discover card ending in XXXX. On XX/XX/XXXX I contacted the seller ( XXXX ) to cancel the order since it was sent to another address. The seller gave me excuses about different tracking # 's as to why it was sent somewhere else & I agreed to continue with the order. He then told me he was having trouble sending it & wanted me to place a duplicate order. On XX/XX/XXXX I advised him to stop the shipment & cancel my order. I never received the order & I've sent multiple forms of proof to Discover Card. They did not accept this & they are now billing me for product I never received. I just received my bill & it now shows two transactions in the same amount from XXXX. it also shows that XXXX did refund the total amount for {$7200.00} on XX/XX/XXXX. Discover billed me erroneously for 2 transactions & every time I contacted them to dispute this, they turned down my evidence. Today @ XXXXXXXX XXXX I made a last attempt to call them to resolve & reverse this erroneous charge with no resolution. I am attaching the canceled shipment by XXXX, the statements from the vendor who says he refunded me as well the proof that XXXX refunded me on XX/XX/2022.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Discovercard continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the Discovercard account on my credit file. This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. If not fixed immediately I am hiring attorneys to Sue all involved.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages. For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior. I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX was installed on my XXXX and laptop computer. I tried several attempts to clear out the XXXX. They can bypass security software. They have installed hidden icons, which cant be located. They ordered credit reports with my credit card. Charged purchases on my XXXX, XXXX and Discover credit cards. Im so confused and frustrated on how to get this problem resolved. I have contacted XXXX numerous times and the manufacturer and XXXX to resolve. They were unable to resolve. This has been going on since XX/XX/2022.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A