Date Received: 2021-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method. DISCOVER FIN SVCS LLC Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
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 Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was in an XXXX relationship and had my life threatened and that of my mother if I reported his financial abuse ( amongst other things ) of my accounts. Once I was able to break free of the individual, whom has countless public domestic XXXX arrest records with me, I filed a police report and contacted all of the organizations that he stole credit cards to, and opened accounts in my name without my authorization and/or knowledge. I would randomly get pieces of mail prior to his ability to pick them out before me about accounts or credit lines I " applied '' for. Discover Financial Services being the only one left that refuses to stop reporting to XXXX I have disputed with the credit bureaus and XXXX keeps deleting and replacing. Account status Charge off {$5300.00} written off. {$5300.00} Past Due. XX/XX/XXXX : Deleted. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all state " This item was removed from your credit report '' XX/XX/XXXX " updated '' in other words put back, again. XX/XX/XXXX " unavailable online '' Date generated : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX " This item was removed from your credit report '' NO DATE " Remains '' XX/XX/XXXX " remains ''. XX/XX/XXXX " Remains. They have continuously removed and added this account to my file for years at this point. I have reported the account with the FTC, Given the thief 's information, filed police report, and disputed with Discover and the credit bureaus, I have hired credit repair companies to dispute on my behalf. They refuse to remove this account which was obtained under the theft of my identity. At least they refuse to remove without putting it back two weeks later. The department of education had me rehabilitate my loans under the impression as long as I completed the rehabilitation process successfully ALL NEGATIVE REMARKS WOULD BE REMOVED. However, they simply paid off the original servicer in this case " XXXX '' and opened with a new servicer in my case " XXXX XXXX '' and made a note on my XXXX that the loans had been transferred, but not to whom .... So they didn't even imply the new loans with XXXX was a transfer, and that those loans were deferred. The kept all the late payments of " 120 days past due or more '' on all 14 accounts which remain on my report even after PAYING ALL DEBT IN FULL. No, not the transfer, I paid all my student loans off with money inherited by the death of my mother. I completed the rehabilitation, even went a step further and paid them off, and still they report " 180 days past due '' reported : XX/XX/XXXX {$3000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$3500.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4300.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$5000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$640.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1800.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4500.00} " current payment status XXXX days late '' " Transferred '' XXXX claims they have nothing to do with the Department of Education and the agreement made between us. Even thought on my credit report it literally reads " DEPT OF ED / XXXX. They claim they don't have to remove anything nor are they going to. I honestly wouldn't have rehabilitated, I would have left it alone. I was under the impression doing the right thing, got returned by getting the right thing done back. I was literally swindled into repayment under terms and agreements, I kept my end of the bargain, however the department of education did not keep theirs.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover. I did not open or authorize this account. After contacting Discover, I realized that the thief used an incorrect address and date of birth when this account was opened. The DOB Discover has on file is XX/XX/XXXX when in fact my correct DOB is XX/XX/XXXX ( as evidenced on my driver 's license ). This is a clear indication of the identity theft. I filed an identity theft report with the XXXX Police Department and contacted Discover as well as the 3 credit bureaus, XXXX XXXX and XXXX on or about XX/XX/XXXX, requesting that they take all appropriate steps to remove information about this account from my credit files. As of today, more than 30 days later, this account still appears on my credit files. Discover failed to act promptly to remove and block the inaccurate information from appearing on my credit file. This affects my ability to obtain credit.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
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: In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, Discover, and XXXX XXXX. XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to XXXX XXXX no action performed. XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to XXXX XXXX, no action performed. Discover : XX/XX/XXXX - {$5000.00} - XXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. I contacted each creditor ( XXXX, Discover, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. -- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. -- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. -- Discover removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 1. DISCOVER FIN SVCS LLC DATE FRAUD BEGAN XX/XX/2017 {$4100.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ive sent in dispute letters to XXXX in the month XX/XX/XXXX and XX/XX/XXXX, the account was removed from my credit profile than added back on there again a month later. they removed the account and added back on there that's unfair. the account is with discover financial services and the account number is # XXXX
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am having trouble getting credit. No one will give me a credit card. My credit score has not moved in months and I am trying to buy a home. I think my credit has been taken by family or friends, also bank accounts have been hacked on money is being taken out of my account. Please review. XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX ss # XXXX
Company Response:
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A