Date Received: 2019-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm a person of integrity. I've worked hard to have a stellar financial reputation. However, discover has poisoned me for almost 7 years now. They keep repeating a fraudulent account onto my XXXX credit report. I've disputed and disputed to no avail. I've requested to be shown original documents as I'm entitled to under section 609 of the fair credit reporting act and neither discover nor XXXX complied. This is my last attempt to have it removed before I seek Justice via trial by jury as outlined in the 7th amendment of the Constitution.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my XXXX credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and XXXX immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.
Company Response:
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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: On XXXX I was charged for services by XXXX XXXX that were never rendered. I have attempted to resolve this issue with a simple dispute. I contacted XXXX XXXX, XXXX and Discover to let them know that I was fraudulently charged by a merchant for services not received. Although I have contacted them several times they have not resolved the matter nor given my a credit for this items. The charges are : XXXX XXXX XXXX XXXX XXXX + XXXX Discover XXXX These charges total XXXX. I reached out to XXXX for resolution because the credit card companies refused to resolve the issue. However, XXXX stated they are not responsible and the credit card companies have to resolve the issue. I also field a complaint with FTC based on XXXX telling me that the document the merchant provided was false and the transaction numbers have been altered.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XXXX I was a victim of identity theft for the first time my ID, Social security card was taken. Numerous accounts ( banking and other ). Also in XXXX it was stolen again. This has been an ongoing process which seems to feel like no resolution. I have police reports as well as other documentation. XXXX XXXX XXXX ( Deposit Accts ) XXXX XXXX ( DEPOSIT ACCT ) XXXX XXXX ( DEPOSIT ACCT ) Discover Bank ( Credit Card ) XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX XXXX ) {$220.00} XXXX XXXX ( XXXX XXXX ) {$2300.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$3300.00} XXXX XXXX ( XXXX XXXX XXXX ) {$80.00}
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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: XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. The next day I received a package from XXXX which I refused and the mailman took it back. My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover, that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In an attempt to improve my credit score, I am paying down and off all my credit cards. Discover is my oldest credit card with the largest available balance. I paid it off and haven't used it in about two years, but I had intended to keep it. WIthout a warning, I received an email from Discover on XX/XX/2019 saying my card was closed by them for lack of use. I called today XX/XX/2019 ( due to the holiday ) and spoke to XXXX at XXXX who said it is too late. I would have to reapply. I explained what I am trying to do and he said there was nothing he could do about it. I find this truly unfair as if they had warned me first, I would have used it. This is going to ding my credit score ... ..why is it that the people who attempt to improve their scores get punished? I am hoping you can help me to get that specific account reopened and I promise to use it if I must. Please advise.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A