Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. Account Name : DISCOVER FIN SVCS LLC Charge : {$1300.00} Date : XX/XX/2016 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving an account fraudulently opened. Somehow they veried the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please include all names and contact information of employees that you spoke to as part of this investigation. I have sent several times my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent account.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Financial Services shown a charge off on my 3 reports. This account has reach it statue limitation to be remove from my credit reports
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear CFPB My Discover Credit Card Was Closed for no Reason. I got letter that they closed my account by reviewing my account i found no evidence i have done anything wrong. I called and was not informed any factual and accurate reason why my account was closed. Only think i can assume that they might think i purchased jewelry which description is coin so the assume its bitcoin which is not. I purchased jewelry not bitcoin .All they could do to verify that its not Bitcoin they could brows internet only 1 minute and discover its not Bitcoin its regular jewelry shop. I have attached for your review my last 3 months statements so you can verify and see i have done anything wrong. I also attached their letter which doesn't explain or give reason why my account was closed Please see attached also letter of legal complaint.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Approximately two years ago, I was a primary card holder with a joint co-signer. That co-signer was my mother. Payments were always on time, the account was current, etc. I paid everything and all charges were mine. My mother, XXXX XXXX XXXX, ran into significant financial trouble and contemplated bankruptcy. She also held a completely separate account in her name only. Knowing that she would be filing for bankruptcy and not knowing what Discover would do to my account with her as the co-signer, I quickly took money from my savings account and made a large, lump-sum payment of the entire balance so as to avoid any issues. Sadly, Discover felt the need to retaliate against my mother for her bankruptcy and to me, apparently, for paying off the balance thus eliminating the interest they were earning and closed my account without warning. The account was mine, with me as the primary account holder, and it was in excellent standing with a XXXX balance. I did nothing to Discover and yet they chose to close my account causing my credit score to take a hit because of the reduced credit availability and the closing of an older account thus reducing the average age of my accounts. I tried calling them to argue the point but their automated system would recognize my number and force the call to be transferred to the bankruptcy team who offered no help. In fact, they were outright rude and even suggested I pay the balance of my mothers card that was solely in her name. When I refused, I was disconnected upon. I attempted to contact supervisors, but to no avail. I was effectively blacklisted and retaliated against without any reason to do so other than a family members bankruptcy. Fast forward s few years later to now. I decided hey, maybe they go this straightened out on their side and so I completed a prequalification ( reference XXXX ). Despite having perfect credit with a FICO of 750+, 17 % UTL, no derogatory remarks or collections at all, XXXX of 4 years, home owner, and excellent income, I was denied. The reason given was Status of Existing/Prior Account. I called the number provided ( XXXX ) to their credit operations team and spoke with XXXX XXXX whom informed me that my earlier account had been revoked. I attempted to explain the situation but she wouldn't hear it. Like before, I needed to be transferred to that Bankruptcy department and guess what - they're closed right now and I'd have to call another day. I believe Discover is violating the FCRA as well as retaliating against me for the actions of another. Because of their actions, I have suffered financial loss by way of the closed account and effect upon my credit score. As evidenced by todays action, Discover - despite being aware of the situation and failing to remedy it - continues it's illegal and aggressive actions to punish a good standing prior card holder who is otherwise completely qualified according to their guidelines due to another card holder exercising her ability to file banakruptcy ( which was granted ). My financial well-being is superior with absolutely no blemishes. I work hard to pay my bills on time and my record reflects a perfect payment history. My name is XXXX XXXX XXXX and my phone is ( XXXX ) XXXX.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
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: Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 1. Why didn't Discover send an email and/or text to follow-up? 2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
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: Discover Bank Credit Card On my Discover mobile Apps XX/XX/2019 Cashback Bonus redemption - {$3.00} Internet Payment - - {$450.00} XX/XX/2019 Returned Internet Payment {$460.00} Represented Internet Payment - {$460.00} Returned Internet Payment {$460.00} Internet Payment - {$460.00} On my Account summary XX/XX/2019 - XX/XX/2019 Transactions Payments and credits Trans Date XX/XX/XXXX - {$450.00} - {$3.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX - {$460.00} Please check on the discrepancies of accounting as reflected on the apps and the account summary. There is one transaction missing on the statement. There should be another entry of {$460.00} to balance the account as in the apps. Otherwise I have to pay an additional of {$460.00}
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A