Date Received: 2019-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had Discover Card and my Brother was suppose I pay from my Trust Fund to pay off this Credit Card and I found out he did not will back in XXXX of XXXX or XXXX I got my retirement benefits and I Paid off The Discover Card Thinking that they would let me used it again remember this is not fault anyway without checking my papers I think it was $ 6000- {$8000.00} I paid the whole thing off. And by the way I am only on SSA and I am a retired and XXXX woman that can not work and to sick to work anymore anyway make it short I paid them off hoping that they would of let me have my credit card back and I was informed today XXXX, that they will not do it if I know that I would not of paid it the Discover credit card but I would of went Bankruptcy of them and NOW I WISH I WOULD OF DISCOVER GIVES THEM NOTHING-I ONLY PAID THEM SO I CAN HAVE MY CREDIT CARD BACKnAND I ONLY NEED IT FOR MEDICAL IN NATURE LIKE MY MEDICINE MOSTLY AND MEDICAL XXXX THINGS. I FEEL DISCOVER CARD DID A VERY BAD NUMBER- THEY SHOULD OF GAVE ME A SECOND CHANCE AND DISCOVER CARD PEOPLE ARE IN DANGER FROM XXXX THEMSELVES & And WHEN I TRIED TO Opening A NEW CREDIT CARD WITH THEM I THOUGHT THEY REALLY WOULD OF SINCE I PAID THEM IN FULL AND I DID NOT HAVE TO AND I WISH I DID NOT PAID THEM OFF AT ALL AND WENT BANKRUPTCY WITH DISCOVER CARD INSTEAD AND THAT HOW I FEEL LIKE THEY TOOK MY MONEY AND DID COMPLETELY NOTHING TO HELP ME AND I COULD OF USED THAT MONEY SOMEWHERE ELSE AND DISCOVER CARD WOULD OF GOT NOTHING AND THAT WHAT I SHOULD OF DONE TO DISCOVER CARD CORRUPT COMPANY PAID NOTHING ... I AM NOT RICH AND I DO HAVE A TRUST FUND BUT RIGHT NOW I CAN NOT GET ANY MONEY OUT OF IT I GUESS I NEED A ATTORNEY AND AGAIN I DO NOT HAVE ANY MONEY
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
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: BACKGROUND : I placed an order with XXXX on or about XX/XX/19 in the amount of {$160.00}. XXXX shipped the package on or about XX/XX/19. On or about XX/XX/19 I received notification from XXXX shipping company ( XXXX ) that the package had been delivered to my home. Upon arriving home, the package was not there. I immediately contacted XXXX and spoke with a representative by the name of XXXX and advised that the package was not at my home. XXXX contacted the driver who indicated that the package was left at a white door under doormat. I live in an apartment complex with over 250 tenants so the package could have literally been left at any number of apartments in the complex. I asked if he was sure he left it at my address as there is a building 4 across from me in the same complex on the opposite side of the street. I was instructed to call back the next day to initiate an investigation. I then contacted XXXX and advised them that I did not receive the package. I was asked to follow up with the shipping company and advise XXXX of the outcome of their investigation. At this point I was under the impression that I was expected to pay for merchandise I did not receive so I then contacted my credit card company ( Discover ) and advised that the package was not delivered and asked what I needed to do to make sure I was not responsible for paying for merchandise that I did not receive. Discover advised that they could reverse the charge on my account while they investigate the matter. ( emails attached ) On XX/XX/19 I spoke with XXXX at XXXX who advised that if the package wasnt received by the following Monday I should call that Tuesday to file a lost package claim and XXXX would then determine whether to issue a refund. On XX/XX/19 I spoke with XXXX at XXXX and advised that I received an email from XXXX on XX/XX/19 advising that they had completed their investigation and that I should contact XXXX about refunding the charged amount. XXXX advised that XXXX would issue a refund in 1-3 business days. At this point I assumed the matter was resolved because the money Discover took back from XXXX when they placed on the account was being refunded back to them by XXXX. On or about XX/XX/19 I received an email from XXXX dispute management regarding the XXXX charge advising that a hold had been placed on my XXXX account and future orders because I opened a dispute on XX/XX/19 regarding the missing package. They advised that until the {$160.00} had been repaid I could no longer place orders with them. Once I saw the email, I responded on XX/XX/19. The dispute management department then sent another email on XX/XX/19 advising that Discover had issued a credit and they had issued a credit but that Discover had refunded them ( emails attached ). Again, I thought nothing of this because I assumed Discover was refunded the money they had credited my account. DISPUTE : It wasnt until I went online to pay my current Discover bill I noticed that Discover placed a charge of {$160.00} on my account. Discover claims that XXXX had credited my account twice and I was responsible for repaying the overpayment to them. However, there is nowhere on my XXXX or XXXX statement ( enclosed ) that show a double credit to Discover by XXXX. In fact, on the XXXX statement you will see the {$160.00} charge from XXXX dated XX/XX/19. Then there is a post date of XX/XX/19 with transaction date showing the XXXX # XXXX adjustment in the amount of - {$160.00}. On the current statement there is a post date of XX/XX/XXXX and transaction date of XX/XX/XXXX from XXXX # XXXX XXXX PA in the amount of - {$160.00}. It appears to me that the adjustment amount Discover posted and the refund amount of {$160.00} from XXXX, is simply XXXX reimbursing Discover for the XX/XX/XXXX adjustment amount of {$160.00}. I do not see a double credit issued by XXXX. In fact, I contacted XXXX on two different occasions to try to figure out when they issued two credits to my account. On XX/XX/19 I spoke with XXXX at XXXX who informed me that on XX/XX/19 XXXX placed a hold on my Discover account in connection with the purchase I made on that day in the amount of {$160.00}. When the merchandise shipped on XX/XX/19 XXXX billed Discover for that amount. On XX/XX/19 Discover then took the money back from XXXX and placed an adjustment on my account. However, XXXX then issued a refund of the {$160.00} on XX/XX/19 due to the lost claim. XXXX confirmed that XXXX issued only one credit, which refunded the amount back to Discover. Before filing this complaint, I wanted to confirm the information I received from FreePeople on XX/XX/19 so I again contacted FreePeople on XX/XX/19. On XX/XX/19 I spoke with XXXX XXXX at XXXX dispute management department who informed me that in his opinion the problem occurred because I simultaneously filed a dispute with XXXX and XXXX regarding the lost package. Mr. XXXX further advised that once I filed the dispute Discover took funds from XXXX on XX/XX/19. XXXX then issued a refund on XX/XX/19, which should have XXXX out the {$160.00} charge. There were no other credits applied to my account.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I became aware of this fradulent account in XXXX. Since XXXX I've been trying to work with Discover, asking them to validate this information and provide me with any information they have that they believe shows them that this account belongs to me. Since that time, they've sent me reams of card statements and have made claims that they've conducted investigations where : 1. They approved an account but didn't open in for 6 weeks. 2. They responded to a stolen credit card and provided the account holder a new one. 3. They didn't mail account statements the first time around, they emailed them, but won't share the email address that was used to deliver said accounts. 4. They claimed they called me and talked with me to verify the accounts, then claimed that they talked with me again in XX/XX/XXXX ; which they couldn't have because I suspended my cell phone access in XXXX when I left DC to go work on a senatorial campaign ( info with which I've shared ). 5. I've provided them with an ID theft affidavit with police report number from FTC, yet they still continue to report this account to XXXX. All I want is to see the information that I've requested since XXXX ( I've attached the most recent series of correspondences ) and help them clear up this matter. The fact that they won't share this information concerns me because then they are willfully sharing incorrect and damaging information about me
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
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: Per recommendation of a friend, I purchased a Hawaii trip package through a travel agent, ( XXXX XXXX, owner of XXXX, XXXX, ( website XXXX ) on XX/XX/XXXX of XXXX. The total travel cost was {$7700.00}. My friend told me it was a bargain at that price and we as a group of families ( 4 families in total ) should all sign up with this travel agent that was scheduled to take place in XX/XX/XXXX through XX/XX/XXXX during our kids ' spring break. She charged {$4800.00} on this date on my Discover card. I subsequently paid my entire DISCOVER credit card bill for this entire amount as a deposit. The remaining BALANCE was due by XX/XX/XXXX. In XXXX of XXXX my credit card was charged the remaining balance of {$2900.00} without any prior notifications from the travel agent. I contacted her on XX/XX/XXXX for an explanation and after some back and forth by email, she responded that she would send me a refund by mailing me a check. I never received a refund and since my DICOVER credit card bill was due, I emailed her of my intention to dispute the charge because I was not prepared to pay for this charge until some time in XXXX of XXXX as she had mentioned it in her original email on the itinerary. Since she was not returning my deposit I started to get suspicious of her having bad intentions in keeping my money. Finally, since she never reimbursed the second charged fee, I decided to cancel my entire trip in XXXX of XXXX and asked for a full refund. My cancellation was qualified for a full refund within the cancellation period guidelines of the original reservation which she had emailed me and I was anticipating a full refund. On XX/XX/XXXX she sent me an email confirming she had cancelled my Hawaii trip and promised 2-3 weeks for a full refund. I never received a refund for any of the charges initially placed on my DICOVER card. I therefore decided to disputed both charges with Discover totaling {$7700.00}. The DICOVER card dispute numbers were # XXXX for {$840.00} and Dispute number # XXXX for XXXX. I had very poor assistance from DISCOVER CARD. They had promised each time to respond to my demands within a certain time frame. Every time I was the one who had to call to find out what was happening and it was always past the time I was promised a response. The never resolved ANY my disputes. The wait times on the telephone were very long and each time I was the one who had to call to inquire about the status of the disputes and the agents answering the calls seemed very much out of touch and misinformed with what was happening. They were so incompetent that I had to demand to speak to their supervisor who were also very hard to get through to. Even they were very much in the dark about the dispute status and put me on long waits to just figure out what was going on! On XX/XX/XXXX, after repeated calls and texts and emails to this travel agent ( which she mostly ignored and did not reply to ), I finally managed to have her reverse the last charge of XXXX on my DICOVER Card, with the help of my friend who had recommended her to me. DISCOVER CARD took credit for this resolution, boasting they had resolved it!!! DISCOVER CARD WAS UNABLE TO RESOLVE MY DISPUTES. EVERY TIME THEY WOULD ISSUE TEMPORARY CREDIT PENDING A FINAL INVESTIGATION TO RESOLVE THE DISPUTE. THEY NEVER GAVE ME FULL AND FINAL CREDIT FOR THE {$4800.00}. DISCOVER CARD KNEW HOW I WAS HOAXED INTO PAYING HER THIS LARGE SUM WITHOUT A FULL REFUND. DISCOVER CARD RECEIVED COPIES OF ALL MY EMAILS TO SUPPORT MY CLAIMS THAT SHE WAS NOT RETURNING MY MONEY FOR A CANCELLED TRIP THAT SHE HAD CONFIRMED. It is noteworthy that 3 other families who had made reservations with this travel agent and who also were forced to cancel their trips due to her being a con-artist got a full refund from their credit cards ( XXXX XXXX AND ANOTHER CARD ). This travel agent has reportedly been sued FOR CLOSE TO {$100000.00} by her mother travel agency for stealing their clients and opening her own agency. This is public information and on XXXX. I had told DISCOVER CARD about this and they still did nothing. THEY DID NOT EVEN CARE TO INVESTIGATE THIS MERCHANT. DISCOVER CARD finally told me they could not resolve this last amount at all and withdrew, ABANDONED ME and keeping me responsible to collect the {$4800.00} which to this date still has not been refunded to me by the travel agent, XXXX XXXX. They told me to hire an attorney or go to the attorney general 's office!!!! DISCOVER CARD NEVER OFFERED AN EXPLANATION OF HOW THEY TRIED TO RESOLVE THIS DISPUTE. THIS LEADS ME TO CONCLUDE THEY DID NOT DO MUCH AT ALL. DISCOVER CARD failed to protect me as a long-term and loyal customer. I am extremely disappointed with Discover card in the way they mishandled my case. I have tried to talk sense into this lady repeatedly by email, text and group text with my friend who recommended her to me, but up until now she has not returned my deposit of XXXX. I have filed a report with XXXX and IL Attorney General. I will have to hire an attorney or go through a small claims court. This is unacceptable to me. I will be losing time from my work and XXXX since I am a XXXX. I am very frustrated with all of this especially since my credit card that I have had since the XXXX 's has completely abandoned me. I demand an investigation into the way DISCOVER CARD has failed to protect me as a client.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A