Date Received: 2019-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear cfpb This is my second letter to FTCB regarding the fraud account that was opened and also the research that was considered by the Associates of Discover bank AND XXXX XXXX ) executive office ) I have received a letter from Discover stating the reasoning I am liable for the fraud account and I would like to address some of the concerns that was put on the letter. For records I have attached the record with my FTCB complaint, this letter is also being transferred to the 3 credit bureaus, with affidavit of fraud notarized and signature of law enforcement officer are also obtained on the affidavits. I spoke to Ms. XXXX XXXX on XXXX XXXX, this was after I have called her office 3 times and left 3 voice messages, then I had to speak to some other gentleman to whom I demanded to speak to XXXX XXXX because she would not call me back and the letter clearly stated to call if any questions. I demanded Executive office to have XXXX XXXX call me back or I will file another complaint. When I spoke to Ms XXXX XXXX her reasoning behind making me liable for the fraud account was very vague and had no solid backing or evidence. She told me that she needed more information about the case, so far I have provided the office with my passport stamped with TSA rubberstamps stating I have left USA during the time when the account was opened, I offered XXXX XXXX my passport via certified mail because she can verify the TSA stamps stating that I have left USA, and also the immigration stamps when I arrived in XXXX, AND also when I left XXXX. Ms. XXXX XXXX chuckled ( mimicked ) at me stating that she does not require my passport as she already has the photocopies I have sent to her. Until now I have spent over {$40.00} in fax money at XXXX, only to be told by discover they will look over the evidence and let me know in 30 days Discover and its associates are not taking my evidence into consideration, I also offered XXXX XXXX to make a 3 way call to the officer assigned to my fraud case, again I heard an chuckle like she is mocking or mimicking me. Her attitude on the phone was very impolite and un-professional. I am asking for help and all she tells me to send more documents so they can look at it. Discovers associates has made me waste over {$40.00} in fax documents that I have sent, only to be overlooked and not to be taken into consideration regarding my fraud case. I really wanted to talk to Ms. XXXX XXXX and the officer of the law working on my case Lt. XXXX of the XXXX Police Department I also XXXX XXXX copies of fraud testament from my bank, that my account was compromised and used to make payments on the fraud account, AGAIN MS XXXX XXXX IS MOCKING AND MIMICKING ME. My XXXX XXXX XXXX confirmed fraud and has issued me new checking account numbers I believe that the investigation that was done by discover was very ONE-SIDED, with my evidence not being taken into consideration. I have send discover affidavits from the IRS that my tax documents were compromised to open to the fraud account. Following are the questions XXXX XXXX stated on the paper, and I believe is wrong because the team of Discover and herself have made up their mind that I opened the fraud account, even after providing sufficient evidence, they keep telling me to send more so I can waste even more money Ms XXXX XXXX stated that around XXXX she received documents to help open the account, those documents were locked inside my room, XXXX XXXX barged into my room and stole my documents to open the fraud account with Discover About the XXXX XXXX transaction I have never in the country so I had no idea about the transaction, BUT I DID CALL XXXX TO VERIFY IF AN ORDER WAS RECEIVED HERE ON THAT DAY OF XXXX XXXX. I HAVE WRITTEN TESTAMENT FROM THE DRIVER THAT MY ROOMATE XXXX XXXX HAS SIGNED THE PACAKAGE, I TOLD THIS INFORMATION TO DISCOVER ASSOCIATES AND XXXX XXXX, AGAINT THEY OVERLOOKED THE INFORMATION, THEY HAVE MADE UP THEIR MIND PRE-JUDGEMENTAL THAT I OPENED THE FRAUD ACCONT. WHAT IS NOT RIGHT is that discover backs up their customer with 100 % fraud help. I have XXXX drive testament that the package was delivered to my roommate XXXX XXXX. XXXX PD report says printed date of XX/XX/XXXX because that is the day when the forms were executed to be standardized for all police reports for the fiscal year of XXXX. This information can be verified with XXXX PD dispatch. AGAIN, I OFFERED XXXX XXXX TO MAKE AN 3 WAY WITH THE INVESTIGATING OFFICER. SHE REFUSED. I NEED REASONING WHY BECAUSE THE ACCOUNT IS FRAUD AND U ARE MAKING ME LIABLE It was also said that I said 2 different boarding passes, and that is because my flight was canceled. I used my email to receive all information and at that time, my desktop computer in my room was again COMPROMISED, when I came back to the USA my computer was missing altogether, there was nothing here, missing computer was reported in the police report summary and also told to discover associated. I TOLD DISCOVER THAT MY COMPUTER WAS STOLEN AND MY EMAIL WAS HACKED. The kp ACCOUNT that was used to email the documents was again hacked because that is my work email, and my account can be accessed through my computer. My roommate stole my desktop and had access to many of my documents and banking websites. I even had to incur fraud tax reports for the year of XXXX According to the letter it states that within 3 minutes of credit card being activated and fraud transaction with XXXX was made, this is an exact indication of fraud, AS I WOULD NEVER PURCHASE SOMETHING 3 MINUTES AFTER OPENING THE ACCOUNT AND CAUSING MY SELF DEBT I CAN NOT AFFORD. I RECENTLY LOST MY MOTHER, AND I CAN NOT AFFORD JEWELERY. Again XXXX driver confirmed and I have written testament that I was not here the day of XXXX XXXX WHEN DISCOVER STATES THE ITEMS WAS DELIVERED My XXXX phone was also locked in my room, since in XXXX I can not afford roaming. I send letters to discover showing that my sprint phone had been hacked, there were several numerous applications that were downloaded and I was left with an immense bill of {$980.00}. THE XXXX INFORMATION WITH MY MOBILE PHONE NUMBER NOTED WAS PROVIDED TO DISCOVER SHOWING IDENTITY THEFT AND COMPROMISED, IT WAS STILL OVERLOOKED. At XXXX XXXX my roommate had possession of the phone, and IN NO WAY I WILL BE XXXX TO WRITE MY PHONE NUMBER ON THE CFPB REPORT IF I KNOW I DID THE CHARGE, THAT I XXXX, I TOLD YOUR ASSOCIATES MY PHONE WAS STOLEN FROM THE FIRST DAY, STILL YOU GUYS DONT TAKE IT INTO CONSIDERATION. AGAIN I CAN PROVIDE AGAIN FRAUD AFFADAVITS FROM MY XXXX ACCOUNT CONFIRMING FRAUD XXXX XXXX XXXX account was made to make fraud credits to the discover account. I FILED AN FRAUD AFFADAVIT WITH XXXX XXXX XXXX, AND THEY APPROVED MY CLAIM. I OFFERED TO PROVIDE THIS INFORMATION TO XXXX XXXX BUT SHE DID NOT SAY ANYTHING. The investigation that has occurred with discover and its associates is beyond an nightmare, after leaving to XXXX because my mother was sick and my arrival back to the US to find that my roommate has stolen my belongings and credit it was very dis-heartening. I have provided a lot of evidence to discover only to be not taken into consideration, being mocked and laughed by customer care and not being taken serious. I will send these documents and notarized affidavits signed in front of law enforcement to the three credit bureaus. In no way under XXXX I will pay for fraud account, this is an major violation of my personal information and the rights under California fair credit reporting. Discover has failed to take my evidence into consideration making me liable for the fraud account, I am willing to hire an attorney and all court costs to take discover to court. i WILL SEND ALL NOTARIZED FRAUD AFFADAVITS TO THE 3 CREDIT REPORTING AGENCIES WHICH ARE ALSO SIGNED BY LAW ENFORECEMENT. I HAVE ALSO SINCE MOVED TO AN NEW ADDRESS WHERE DISCOVER SEND ME LETTERS ; I MOVED FROM XXXX XXXX SINCE THE FRAUD OCCURRED BECAUSE I AM SCARED OF MY LIFE FROM MY ROOMATE Sincerely, XXXX XXXX XXXX. XXXX
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. Thank you.
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
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: I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
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: Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
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: I filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My concern is attached, as well as supporting documentation.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful. However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable. I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A