Date Received: 2021-08-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Did you recieve the Id theft report that I sent directly to you and through the cfpb? If so, then why are you not following the fcra and the ftc guidelines? ADDITIONAL RESPONSIBILITIES Victims of Identity Theft When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) If you provide credit, goods, or services to consumers, you may be required to supply application or other transaction records to an identity theft victim or law enforcement officer, if they ask. FCRA 605B ( f ) 615 ( g ) If you establish or extend credit plans or accounts, you may be required to follow certain steps to verify a consumer 's identity when you see a fraud or active duty alert on his credit report. FCRA 605A ( h ) ( B ) ( ii ) NON-COMPLIANCE If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
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: Ordered 2 pairs of XXXX XXXX tennis shoes on XXXX XXXX tried calling new balance asking where tennis shoes were XXXX after on hold for an hour filled out form on website asking where shoes were, they were not delivered. XXXX received email stating to items were shipped look at faq on site XXXX after no help from new bal filed dispute with discover card XXXX account was credited for XXXX in my favor XXXX balance was back on my card XXXX called discover and was told shoes were delivered there was nothing that thye could do. Stated again, I have never received and/or signed for any shoes. Was told that I would have to call XXXX to investigate non delivery and/or call police, makes no sense that this is my responsibility after almost 2 months
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX Discovery Card closed 1 of my account because of a verification process. I told the lady the first time I called that I haven't filed my taxes in the last 2years. So, 13 days went by and my account was closed. Then on XXXX XXXX I get another email about verification process for my other account with Discovery Financial Services saying if I don't respond by XXXX XXXX that this account will be closed. So, I call them on the XXXX of XXXX and I told them the same thing I told them previously and the lady said my account was closed. What is really going on? And I had this account since XXXX when it was a secure card! Why didn't they ask me all this then.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Discover calls me from multiple numbers, multiple of times a day. Its interrupting my work. They just started calling me out of the blue on XXXX XXXX talking about payment plans. Ive never received any information about payment plans, yet they claim theyve sent them. Now theyre threatening me with legal action. Ive heard nothing about this debt in two years and they appear out of nowhere and call me repeatedly.
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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: items were purchased using my Discover card on XX/XX/2020 ( {$5000.00} ). Items were returned on XX/XX/2020 and later received and confirmed with merchant. Return was posted onto my Discover account and over 60 days later reappeared on my account. Spoke to customer service, gave them all proof and documentation of return confirmation through merchant and was told they will remove transaction which they did. Over 60 days later yet AGAIN it was posted to my account. Worst customer service ever and I will be cancelling my card with them.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was sent an E-Mail by Discover Card Services letting me know that my account was being closed due to inactivity on the account. No questions asked, per their E-Mail, " the decision to close your account is final. '' My account balance is and has been {$0.00} for quite some time and I have never been late on this card, or late on any other debt on my credit report for over a decade. My FICO " was '' XXXX prior to this account closure. The E-Mail says XXXX which I believe is considered GOOD credit. For the past year, my family and I have been in the process of building a home. The first thing my lender said upon pre-approval was to immediately stop using credit cards or ensure that my existing balances do not increase to keep my FICO scores elevated. I am in pure shock that I am being punished by Discover for inactivity. Prior to paying off the account and entering into a purchase contract for our new home, I used the card to take advantage of their offers like any other consumer would. What frustrates me is that this will now lower my available credit thus damaging my FICO score. In other words, I am getting punished for being responsible and doing the right thing to ensure we can procure financing for our new home. This decision, will most probably result in a higher interest rate on my mortgage and I have done nothing irresponsible with my finances to deserve this, quite the opposite. I will note, that their findings state other factors that are absolutely not true. - % of balances to credit limits is too high on revolving accounts ( As of this writing, I am at 26 % of my limit on revolving accounts and my current FICO score substantiates this ) - Length of time revolving accounts have been established ( Yes, I have opened new accounts within the past two years but again, low balance to credit limit, no lates, good FICO score ).
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. This is my last warning before I proceed to bringing legal action against them.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Sadly due to the downturn in the ecomony and loss of job we fell behind on our Discover card. Discover wrote the debt off as a write off. This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I CALLED DISCOVER CREDIT CUSTOMERS DEPARTMENT ON OR ABOUT THESE MONTHS. XX/XX/2021 THUR XX/XX/2021 I CALLED AND ASK IF I CAN MAKE A {$100.00} DOLLARS PAYMENT a week to pay down my balance due .. the agents told me no!!!!! AND I WAS TOLD NO BY 8 DIFFERENT CUSTOMER SECIVER AGENT. from my months of XXXX and thru XXXX ask to speak to a supervisor the same information apply. This is wrong how u treat you member DISCOVER THESE ARE THE TREAT THAT DISOCVER SEND TO EMAIL TO CUSTSOMERS ALL THE TIME 1. WE WILL CLOSED UR ACCOUNT 2. WE WILL NOT TAKE PAYMENT OF ANYTHING 3. WEILL NO ANSWER UR CALL WE WILL BLOCK ALL UR CALL TO DISCOVER. 4. DISOCVER WIL NOT HELP NOONE OF THEIR CUSTOMER REGARDLESS NEW OR PASS 5. DISCOVER WILL DELEBRATLY REJECTED PAYMENT FROM CUSTOMERS AND HOLD ALL THERE MONEY UNTIL THE FEEL LIKE APPYING IT TO THEIR ACCOUNT. 6. DISCOVER TOLD ME ON XXXX THEY DONT WANT ME TO PAY MY BILL ON A RECORED CALL AND THIS WOMAN STATED THAT AROUND OR ABOUT THAT TIMR. 7. DISCOVER PUT CUSTOMERS IN TRICK BAG SO THEY ARE UNABLE TO PAY THEIR BILL. 8. DISCOVER ALWAYS LIE TO THEIR CUSTOMER TO MAKE EXTRA MONEY ON THEM. 9. DISCOVER HAS ALWAYS SWEEP THEIR ISSUES UNDER A RUG AND PAY THEIR WAY OUT OF TROUBLE ALWAYS..
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A