Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report DISCOVER FINANCIAL SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/22 at around XXXX XXXX EST, so I was notified by Discover Bank that there was fraudulent activity on my bank accounts with them and that my accounts were suspended and to call to get straightened out. I called and was told that there was no fraudulent activity but that they decided to close my account due to a business decision made by the bank. My accounts are now locked and frozen and they are refusing to send my funds to me, holding for 60 days, so have left me penniless. They are refusing to tell me why they made this decision as well.
Company Response:
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hi, I applied for a Discover it card in XXXX last year. The card arrived on XXXX XXXX but I went on a vacation on XXXX XXXX so I missed the mail. 20 days later when I got back, I couldn't activate my card. I contacted the customer service, and they said that my account was closed, and I can only apply for a new card in the future. Recently when I applied for a new card at Discover, I was declined and the reason was 'insufficient credit score '. I have no other credit cards and only have applied at Discover, so I assume that the inactivated card affects my credit score. On the Discover website, it says that Your card issuer may contact you if you havent activated your card after a certain amount of time ( typically 45 to 60 days ). That's far longer than 20 days, and I was never contacted by any means. My account is directly closed without warning, which severely affects my credit scores. I can't get a credit card now.
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Discover closed my credit card over XXXX year about and up until several months ago I was making timely payments despite the credit card being closed. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I feel Discover forced me into a repayment plan I can not afford. I am a XXXX XXXX XXXX and I make $ XXXX. My Discover balance is currently {$3200.00} and I am seeking to settle for XXXX XXXX of what is owed within XXXX days, which would be {$1600.00}. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My XXXX the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Discover.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 32809
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022, I ordered a TV from XXXX website. The TV came out defective and a replacement was requested which would take about XXXX weeks to arrive. A week after the replacement was approved, I went on the XXXX website and realized I can order the same TV for a cheaper price that would arrive before the approved replacement. I canceled the replacement and placed a brand new order and I returned the original defective TV to XXXX. a XXXX party company, pilot delivers, picked up the defective TV on XX/XX/2022 and it was delivered to XXXX facility on XX/XX/2022 and it was signed by XXXX XXXX Since then, amazon has not issued my refund and they claim according to their records the tv was never returned. I opened a dispute with my Discover credit card company, which after XXXX months came out on XXXX 's favor. Before opening a dispute, I have tried to resolve the issue with XXXX but they would hang up the phone every single time after telling me they do not have their TV. The full order number is XXXX placed on XX/XX/XXXX, XXXX the website to track the returned TV is pilotdelivers.com and the shipment number is XXXX and the zipcode is XXXX. I have tried to get this issue resolved with XXXX throughout the months and I have called at least XXXX times in regards to this issue and every time their resolutions department hung up the phone without helping me. After going back and forth between discover credit card and XXXX in regards to this issue, both parties advice me to contact the other party to resolve my issue. XXXX states that disbute has been closed and refund has been issued to my credit card, and my Discover credit card states that dispute has been closed and the purchase is authorized therefore the temporary credit was charged back on my account.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Company Response:
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A