Date Received: 2019-07-21
Issue: Received a loan you didn't apply for
Subissue:
Consumer Complaint: You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
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 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. Again, Discover didnt answer them. So, again, I am asking them. The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 'XXXX website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Also, XXXX advertises itself as being International Association of Certified Home Inspectors certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all 3 issues. At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXX inspection not being performed but charging customers for one is fraud.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.
Company Response:
State: CT
Zip: 06114
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In the years XX/XX/XXXX - XX/XX/XXXX, my identity got stolen and someone started using my Discover credit card. The person would use the card and then they would pay it off. I realized this was happening in XX/XX/XXXX, when a letter arrived to my house saying that a payment had been returned from an account I did not recognize. The person had access to my account and my information. They were using my account and making purchases at some place called XXXX XXXX XXXX XXXX XXXX Fl and to XXXX XXXX in XXXX as well. None of this transactions were made by me, nor were the payments. Payments came from an account marked as XXXX ending in XXXX under the name of XXXX XXXX XXXX. All the payments returned in XX/XX/XXXX, some of the payments date back to XX/XX/XXXX and they still were returned. This left my card with a balance of XXXX when my credit limit is only XXXX. I did not know it was even possible for a payment to return after 90 days, but they all did. Discover says that the transactions are not suspicious and I am responsible for it. I have filed two police reports and created an identity alert with the credit reporting agencies. XXXX and XXXX have deleted the account of my credit report, but XXXX has not. I have tried to talk to the investigators at Discover, but they have not been consistent with what they say. They have threaten me to report me to the credit reporting agencies if I did not start paying the account while it was still in investigation ( XX/XX/XXXX ). I never noticed this was happening in XX/XX/XXXX, because the balance on the account has never been accurate and I have a screenshot of when this happened in the past few months. The balance would say a number but the pending balance would say something else, leading to this never being discovered in time.
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
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: On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
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 charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A