Date Received: 2020-08-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Credit adds no value just raises demand curve, and assumes there is more money than exists. That's right, there is not enough money for these contracts are able to become possible. That is forced majeure before the contract even starts as you will find that unforeseen and uninformed are no different than coercion or duress in citing contracts like time-based royalty or debt invalid. Even so, what is the purpose of any law but to stop fully-informed people from binding themselves to impossible situations - intervention by creditors in the purchasing of goods by consumers is HUMAN ABUSE and certainly not good for everyone because the supply chain is like a torus. What, does share of a business ' sales from voluntary employers not return fast enough for you?
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
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: On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: CLOSE MY ACCOUNT WITH DISCOVER SECURE CARD MADE A XXXX SECURE DEPOSIT NEVER USE THE CARD AND CANCEL IT NOW ITS BEEN A OVER A MONTH AND NOW THEY ARE TELLING ME ITS GOING TO TAKE ANOTHER MONTH BEFORE THEY SEEN MY MONEY BACK TO ME
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I send a letter to discover ( the credit card company ) that they are reporting inaccurate information such ass balance updated ( inaccurate ), status updated, balance and payment history all inaccurate. They ( discover ) stated that this was verified and it still reporting inaccurate. They are still reporting inaccurate information and I want this deleted also I want my {$5000.00} total from ( discover ) for violating my rights. Is {$1000.00} per violation and there is 5 of them
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I received a letter from Discover/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a discover personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through discover or its affiliates.This is fraud.I did have a discover card with no balance and early 2020 during breakout of covid-19 pandemic, discover closed my account citing inactivity.I did call discover at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXe.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from Discover???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am filing a complaint today with you on Discover Financial Services who enrolled me in one of their programs Discover Protection Services WITHOUT my legal authorization when I opened up my account on XX/XX/XXXX. Their fees including interest based on this service have accrued to around {$8000.00} - {$10000.00} currently. I filed a dispute over a year ago and they only agreed to repay me {$850.00} and closed my case and shut down communication immediately. I found it absolutely unacceptable and proceeded to write 3 letters over the course of a year to appeal this - I faxed and sent to all the contact # 's I received online and through customer reps. I received ZERO response from Discover. Finally, I found an email only listed on the XXXX XXXX XXXX website for their Executive Offices and I attempted a 4th attempt to contact them. Nonetheless, I only received an official letter rejecting what I was requesting from them with a generic response. The MOST important fact in this complaint that has to be noted going forward, is that I DID NOT voluntarily ask for this. I would like it to be noted on this complaint I am filing now, that throughout this process, all my attempts to communicate with Discover is that I have ALWAYS requested them for proof to that I actually voluntarily signed up for Discover Protection Services. If you read my enclosed letters to them I provided ALL of my contact information ( which they should have had anyway ), and that I have always been available for contact so I could assist them in an investigation. A company as big as Discover certainly would have the means through basic technology - documents and call recordings, yet NOTHING was received. I have fought this since XX/XX/XXXX and spent a many time and effort to present my case but have only received unfair resolution and no one is listening. I have always paid my bills on time to EVERY creditor I have, and now Discovers negligence has caused my credit score decrease signifigantly on all my reports.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: AGAIN -!! These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!
Company Response:
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2020 I disputed an error on my credit report with all of XXXX, XXXX and XXXX in regards to a Discover account showing in collections and at times as a open account on my credit file. On XX/XX/XXXX XXXX and/or Discover confirmed this was an error and removed the account completely. I assumed this would follow suit with the other bureaus and did not look much into it until now. The Discover account is still reporting open and changing sometimes to a closed collection account massively affecting my XXXX and XXXX scores ( over 100 points! ). Although I have disputed with the bureaus I am unsure if this is an error made by Discover or an error made by the bureaus. I have attached screenshots from XXXX XXXX, XXXX and XXXX all confirming removals and inaccuracies. Please help.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A