Date Received: 2019-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These are the Inquiries that I don't have permission and knowledge of. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Without my express written or verbal consent XXXX XXXX XXXX altered the name listed on my account. The name on the account is incorrect. They subsequently sold the account to Discover Financial Services. This account contained the wrong information, leading to the wrong information on my account.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a letter by priority mail, with the address being from : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. There was no entity name on the envelope, VERY DECEPTIVE. The U.S.P.S. tracking number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. I opened the envelope and in a LARGE BOLD LETTERING it said ATTORNEY REFERRAL PENDING. The letter is threatening lawsuit, doesn't say anything about my rights and looks very misleading as if it were from an attorney.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: For the last several weeks I along with my wife have been searching for the best balance transfer credit cards with zero percent Annual Rate and zero balance transfer to include the transfer itself. I finally found the Discover It card so I called the number XXXX at XXXX hrs. onXX/XX/2019. I explained to the agent my specific question on if the zero percent balance transfer applied to the initial balance transfer also and she replied yes. Some institutions will charge a 3 % fee. My wife being a XXXX for 17 years had me place the call on speaker and ask the agent to please repeat it and she did. She then informed me to apply either online or by telephone and once I do they will perform the balance transfer. I did exactly as I was instructed to do. Today, XX/XX/2019 I received the card. I immediately contacted the number listed to activate and placed the call. As I provided all of my personal information to complete the transaction, the agent told me that there would be a {$270.00} fee for the balance transfer. I then explained to 4 agents which included Management my encounter with the agent on XX/XX/19 where she specifically confirmed for me the 0 % balance transfer. The complaint is that I was confirmed for a zero percent balance transfer to include the transfer itself and now they are charging me 3 % of the amount.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Recently, I received an alert from my credit monitoring system which indicated my credit limit on a card decreased {$9600.00}, an over 60 % decrease in my available credit. I contacted a representative from the credit card company to discuss. The representative explained the significant decrease in available credit was due to increased usage of their card and a recent increase in credit inquiries. I explained the increase in inquiries was due to applying for a loan to install solar panels on my home and my increased usage on the credit card account was expected to be temporary, as evidenced by my recent large repayment, and per review of my account, I have not missed payments nor been late on any payments. He indicated they could possibly look at my account again however, not for a while due to the recent review. I explained how the egregious decrease in available credit would significantly reduce my credit score and artificially make future credit inquiries more difficult. Due to their unwillingness to continue to work with me as a customer, I informed them I would pay down my balance and then close my account, which would continue to negatively affect me from a credit and cash flow standpoint however, I will not work with a company that arbitrary hurts their most loyal customers.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I contacted Discover Card to determine how my payments are being applied to the different balances on my account ; due to differences in interest rates. I was told that the minimum payment amount is applied to the lowest interest rate balance first. Amounts above the minimum are applied to the highest interest rate balance. I intentionally increased my payment in XXXX to see if I could see evidence of the payment application. I recently compared my XXXX and XXXX statements and could not tell how my payment was applied. One balance transfer had expired and the interest rate increased. I contacted the company for a detailed accounting of how my payment was applied. They would not provide this detail. They only told me that they apply the minimum due to the lowest rate and amount over minimum to the highest rate. Given the movement of a balance from a lower rate to a higher rate, I wanted to know at what point was the payment applied - before or after moving the balance. The company would not provide me with the detail I requested. As a consumer, I believe this is a deceptive practice.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A