Consumer complaint received 2022-12-26
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted two prior complaints through the CFPB portal directly regarding Discover Banks. Both times, Discover Banks has lied and stated they have mailed me the results to my dispute on this matter. Please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I respectfully asked Discover Banks to cease-and-desist from sharing my non-public personal information to non-affiliated third parties per 15 USC 6801, 15 USC 6802, 15 USC 6803. 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. Instead of following my demands, they responded with a bogus response of we mailed you the results. That was a lie, that was sent over through the CFPB on XX/XX/XXXX and it is currently XX/XX/XXXX and I still have not received anything in the mail. Never will. Discover Banks lied and said they mailed me a detailed response to my complaint. It has been almost two months, and I have not received anything in the mail regarding this matter. This financial institution is playing games, and this is a stall tactic on their end. They are infringing on my federally protected rights to privacy per 15 USC 6801, 15 USC 6802, 15 USC 6803 and 15 USC 6809, by sharing my non-public personal information to non-affiliated third parties. Discover Banks account # XXXX that is reporting on my consumer report is not fair and is partial. It is reporting wrong across all three major CRAs ( XXXX, XXXX, and XXXX ), and is reporting income on my consumer report, per IRS publication XXXX. They are also breaking 15 USC 1681 to fair and accurate credit report. In addition to this, Discover Banks has also violated 15 USC 1681i ( a ) ( 7 ) by not responding within thirty ( 30 ) days. This account # XXXX needs to be deleted immediately for failure to respond per 15 USC 1681i ( a ) ( 7 ). Per 15 USC 1681i ( a ) ( 7 ), A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I never received a response to this matter. Their response was we put it in the mail. They put nothing in the mail. They should have to post their response in the CFPB portal to avoid this fraud and stall tactic theyre using. By the two-week mark of not hearing a response from my first complaint, I submitted another complaint through the CFPB, please refer to CFPB complaint # XXXX that was submitted on XX/XX/XXXX. In this complaint, I addressed the same concerns regarding Discover Banks ignoring my demands to cease-and-desist from sharing my non-public personal information with non-affiliated third parties. I also addressed the matter of Discover Banks NOT responding to my initial complaint dated on XX/XX/XXXX and how XXXX, one of Discover Banks Executive Office Representatives, blatantly did not address my concerns regarding my complaints. Both times I sent CFPB complaints, the same XXXX who works for Discover emailed me. The first email was received on XX/XX/XXXX and the second email was received on XX/XX/XXXX ( please refer to exhibits below ). Per my second CFPB complaint ( referring to CFPB complaint # XXXX ), Discover responded with we responded to XXXX XXXX since they were representing you. This is also a lie! Yes, Beyond Finance WAS representing me with a POA, but since then it has been revoked on XX/XX/XXXX after I discontinued their services. Just to verify is Discover Banks sent Beyond Finance the results, I went ahead and called Beyond Finance myself on XX/XX/XXXX. Discover Banks did NOT send XXXX XXXX with a response to my CFPB complaint # XXXX like their response states. I called XXXX XXXX myself on XX/XX/XXXX and spoke to two different representatives : XXXX and XXXX, both who informed me that Discover Banks never mailed any documentation to them on my behalf. Please call XXXX XXXX yourself and they will tell you the same thing ( XXXX ) XXXX. Also, the phone number Discover told me to call and speak to XXXX XXXX directly did NOT work. That line is disconnected. XXXX, one of Discover Banks employees for Customer Advocacy,, is a liar and blatantly infringing on my requests and demands to privacy. He and Discover Banks financial institution are knowingly breaking federal law. I demanded on XX/XX/XXXX for Discover Banks to Cease and Desist from sharing my non-public personal information with non-affiliated third parties. This company has ignored my requests and has defaulted. By doing this, they are breaking the law per 15 USC 6801, 15 USC 6802, 15 USC 6803, 15 USC 6809, and the Gramm-Leech Bliley Act of 1999. They are also not reporting fairly or accurately on my behalf since they are reporting income on my consumer file which is against the IRS publication XXXX for cancelled debts. They are reporting a charge-off status every month which is inaccurate and are repeatedly reporting late payments on a charged off account. This financial institution is violating 15 USC 1681 to a fair and accurate credit report and violating my rights to privacy. I also demanded a copy of the agreement where is clearly and conspicuously discloses the sharing of my non-publics personal information. They have failed to provide me the proper documentation regarding this matter as well. Or to them its IN THE MAIL. Lies and lies. Please SHOW ME the PROOF Discover Banks that YOU sent ANY documentation in the mail. I doubt you can show that because it is a LIE. They failed to RESPOND AT ALL. They have defaulted multiple times for multiple reasons. They are not complaint with federal laws including the FCRA. They are playing games and breaking the law on my behalf, a federally protected consumer. I have endured lots of pain and suffering due to this account fraudulently reporting on my behalf. I have been denied credit, vehicle loans, and a mortgage due this financial institutions unlawful practices. I requested Beyond Finance to mail Discover Banks the revoked POA paperwork on XX/XX/XXXX and I also have paperwork on my behalf how they are no longer responsible for my accounts that were previously enrolled in the program ( please refer to exhibit ). After not hearing from Discover Banks TWICE, I decided to file an Attorney General Complaint and a complaint with the Florida Department of Agriculture and Consumer Services ( Case # XXXX ). These complaints were filed on XX/XX/XXXX. The only time that I have received any mail from Discover Banks was AFTER the Florida Department of Agriculture and Consumer Services reached out to Discover Banks on my behalf. I got a response from XXXX, one of the Executive Office members of Customer Advocacy. The letter was dated on XX/XX/XXXX but was received on XX/XX/XXXX ( please see exhibit ). I demand this company to STOP their stall tactics and to remove this account from my consumer report immediately! Nothing is fair or partial on this account. I have already filed an FTC report ( that Discover is well aware of ) and have escalated this to federal and state complaints. Due to the intensity of needing to dispute information on my consumer report and not hearing a response in a timely fashion, Discover has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been denied credit card applications due to these fraudulent accounts being on my report, I have been denied vehicle loans and the auto loan I did get on my truck resulted in a VERY high interest rate of 24 %, I have been denied additional lines of credit ( please see exhibit below for not getting approved for a Credit Card through XXXX XXXX  ), I have been denied increased credit card limits, I have been denied a mortgage for a home for my family. ALL of this is due to Discover Banks fraudulently reporting on my behalf without my verbal or written consent. I have endured years upon years of continuous denial, along with pain and suffering from Discover Banks and their impermissible reporting of information on my consumer report. Not only has this company caused pain and suffering, but they are also preventing my family from getting a home via a mortgage loan, being unable to refinancing my vehicle loan to a lower interest rate to save money, and not being able to obtain new credit cards with better rates. Clearly, I have been severely impacted by this company. This is also a defamation of character on my behalf. These accounts being reporting on my consumer file wrongfully and non-consented are a false statement of who I am as a human, a person of society, and a career driven mother. Please note that I am also reporting this matter to the major CRAs for Discover Banks blatantly breaking the law.

Company response to consumer: Closed with explanation