Date Received: 2021-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account had a fraudulent credit card purchase which I refused to pay because of the fraudulent charge which I informed Discover Bank to correct before I make a payment. During this time I was reported on my credit report 30 days past due to my credit reports. I am requesting that Discover remove the late payment they reported on my credit reports as this incident resulted from Identity Fraud and fraudulent charges.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. The card mentioned above was reported in my XXXX credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on. I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.
Company Response:
State: MA
Zip: 01832
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At XXXX XXXX, a text notification was received from Discover that a transaction on my Discover card had been made for {$470.00} on XX/XX/2021. Along with a text I received an email with a full itinerary detailing that flight # XXXX departing from XXXX XXXX in XXXX XXXX XXXX XXXX to XXXX airport in XXXX. The names provided for the passenger tickets were XXXX XXXX and XXXX XXXX with ticket number XXXX and XXXX. The confirmation number on the ticket is # XXXX.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Last time I was not quite accurate. My wife, using my data, opened this account without my knowledge. I do not refuse to pay the debt. The only thing I want is for you to remove this account from my credit history after payment.You must understand I can't go to police and make police report or identity theft because my wife used my documents. I still want her be at home and not in prison.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A