Date Received: 2020-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. DISCOVER CARD IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: The XXXX company of discover closed my account witouth my consent. I sent the advisor to the XXXX and closed my account.
Company Response:
State: PR
Zip: 00624
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Covid 19 has caused me financial hardship and prevented me from making payments to my Discover card account sufficient pay off the bill. Instead of working with me Discover Card has been grossly overcharging me interest so that the payments I do make do not even impact the principal amount owed on the card. I have been a Discover card member since 2004.
Company Response:
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX of this year Discover Financial did an unauthorize Hard Inquiry towards my credit resulting in the lowering of my credit score. During that time my spouse did apply for a loan by herself only and as the sole applicant. XXXX XXXX her contact person for Discover said that due to her applying for a loan that they have to pull my credit also, which i strongly disagree with. Bottom line now is that they refused to remove the inquiry and that is why I'm asking for your help to intervene and make them remove the inquiry on my credit report
Company Response:
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I recently opened a near checking account with Discover Bank XXXX early XXXX XXXX and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX Bank XXXX. That transaction only took XXXX or XXXX days with funds being available. The system with XXXX bank to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX bank. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically XXXX take XXXX to XXXX days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for XXXX business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in XXXX or XXXX days, how would I have known that this one would be XXXX weeks. This situation is very misleading, ambiquous and unfair. Immediately, I would like the Federal Reserve XXXX to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX ( cell )
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
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 have a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
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: This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I asked Discover Bank to transfer my IRA to XXXX Bank. XXXX Bank sent Discover Bank all requested paperwork yet Discover Bank refuses to wire my balance.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A