DISCOVER BANK

2018-09-30

Marshallton, DE

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-09-29

Homecroft, IN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-09-29

PA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Add-on products and services
Company Response: Closed with explanation

Timely Response

2018-09-28

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-09-28

Boca Raton, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2018-09-28

Lewisville, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. ! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!
Company Response: Closed with explanation

Timely Response

2018-09-27

NV

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature. The company committing the fraud ( XXXX ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL. XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form. According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card. Yesterday the Discover Fraud Team ( XXXX ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected. Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected. Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud. I was only told this on the phone ... .I have not received any written statement explaining their position. I have copies of all written communication. My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account
Company Response: Closed with explanation

Timely Response

2018-09-27

Novi, MI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-09-27

Carver, MA

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Complaint: My Discover It was issued with a very small credit line of {$1500.00} compared to my regular Discover Card with a $ XXXX.I have a excellent credit rating and a FICO score above 820.The Discover It was received with a promotion to double the accrued points ( miles ) on the anniversary date.I received this card on XX/XX/2018 and have been limited by the very low credit line.I tried to make a payment today of {$1500.00} but was denied because the payment went over by $ 33.00.Discover is keeping my credit line low to discourage me from any spending with this card.
Company Response: Closed with explanation

Timely Response

2018-09-27

Garrison, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-09-27

GA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.
Company Response: Closed with explanation

Timely Response

2018-09-27

Magnolia, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Notice to Appeal Dispute Date : XX/XX/2018 A recent charge is fraudulently reporting on my account, as of XX/XX/2018. This charge was previously disputed and resolved in my favor. On XX/XX/2018, I froze my account after losing my Discover Card. My card was attached to my cell phone so I opted to freeze it as customer service claimed no charges had recently been made. Days later a fraudlent charge appeared for {$1900.00} and post dated from XX/XX/XXXX. This charge was disputed and Discover ruled in my favor. I was told ( and have saved all communication from chat and emails ) the documentation provided from the other party was not sufficient. This documentation did not meet the burden of proof. On XX/XX/XXXX I received the following email, We've completed our initial investigation of your disputed transaction and have found in your favor. This means we'll reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees. For the 5th time, the disputed amount was charged again to my account. XX/XX/XXXX, I received this email, I would like to explain what has happened. Because the transaction was on your previous account when we issued the provisional credit it posted to your previous account that the transaction posted to. We have requested the provisional credit be moved to your new account and should apply within 72 hours. I apologize for any inconvenience we have caused. After reporting my card stolen and being issued a new account, this retriggered my dispute as a new transfer amount on the new account. I WILL NOT be paying for a fraudulent charge. I have always paid what I owed. My stellar credit, never having on late fee or collection, all reflect this. I did not authorize the transaction. My consumer rights were stripped when this became a transfer balance account. I no longer receive email updates and disputing a transfer balance is not possible. After previously filing a complaint, I received a notification in the mail. Discover claims to have closed my account and would be reissuing a new account number and card. These tasks were completed 4 months prior. My account was closed after my dispute back in XX/XX/XXXX. Yet, this recent correspondence was dated XX/XX/2018. Aside from this odd communication there have been no new changes. Consumers rights are violated when allegations are dismissed without consideration. The signature provided looks nothing like the signatures used for myself or my wife. Response recorded for legal purposes. Please Advise, XXXX XXXX DISPUTE TIMELINE XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Fraudulent Charge Made - Although posted to account over a week later. MANUALLY KEYED - XXXX XXXX Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Charge Amount is {$1900.00} XX/XX/XXXX - Requested a Freeze on Account After Losing Cell Phone With Credit Card Attached At this time, the previous charge did not appear. I was assured when freezing the account that there could be pending amounts but no pending amounts were shown at that time. Fri XX/XX/2018 - Temporary Credit Issued Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Credit Amount is {$1900.00} XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Original Dispute Date Appears again as a charge on statement. Recorded emails and chat room messages provided. Apologies were made and Discover assured me the charge would, again, reversed. Merchant name is XXXX XXXX XXXX FL REVERSAL OF TEMPORARY CREDIT Merchant category is Merchandise Charge Amount is {$1900.00} XX/XX/XXXX - XX/XX/XXXX STATEMENT Sun XX/XX/2018 - Dispute Date Changed - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Payments and Credits Credit Amount is - {$1900.00} XX/XX/XXXX - PRESENT XX/XX/2018 - Dispute Date Change - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Other/ Miscellaneous Amount is {$1900.00} A FRAUDULENT ACCOUNT IS NOT A TRANSFER BALANCE.
Company Response: Closed with explanation

Timely Response

2018-09-27

Temperanceville, VA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.
Company Response: Closed with explanation

Timely Response

2018-09-26

Farmingtn Hls, MI

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Received unsolicited financial product or insurance offers after opting out
Company Response: Closed with explanation

Timely Response

2018-09-26

Wallington, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Company Response: Closed with explanation

Timely Response

2018-09-26

Wallington, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report
Company Response: Closed with explanation

Timely Response

2018-09-26

Clarksville, MO

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K. Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.
Company Response: Closed with explanation

Timely Response

2018-09-26

Lehigh, FL

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-09-26

Carlsbad, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-09-26

AL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY
Company Response: Closed with explanation

Timely Response

2018-09-26

Bergenline, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with non-monetary relief

Timely Response

2018-09-26

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with product or service terms changing
Company Response: Closed with non-monetary relief

Timely Response

2018-09-26

Glen Burnie, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-09-25

San Jacinto, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: Hi, My name is XXXX XXXX and I was discriminated by Discover Card Services. I received a call on XX/XX/2018 at XXXX Pacific Standard Time. The agent from Discover was named XXXX which is short for XXXX and is apart of the Discover Security Department. The phone number used to call me is XXXX. During this phone call, the associate XXXX, violated my protected rights under the Equal Credit Opportunity Act. During the conversation, XXXX inquired about my age and asked me to confirm my age. What is important here is the fact that the reason for inquiring about my age had nothing to do with verification or customer security. My information was already verified. She then proceeded to verbatim state, " You are really young, are you sure you still continue using the account? ". Immediately, I let her know she is in clear violation of ECOA. Age is clearly a protected class and there was NO reason for XXXX to use my YOUING age as a reason of whether I still want to use my account. I am very offended.
Company Response: Closed with explanation

Timely Response

2018-09-25

Foothill Ranch, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: XXXX has a secured credit card program that states if you make your payment ontin and no adverse usage the card will become unsecured and an increased credit limit will be applied. I open a secured card with XXXX and made payments on time never lat no over utilization a FICO score of XXXX with no delinquency in my credit history. I was congratulated by XXXX for my management of my account and they upgrade the card to a unsecured.They did not increase my credit limit I was told they would like to see how I pay the same credit amount to consider an increase in the credit limit. This is contrary to the promotion that they offered. A friend who referred me to XXXX had negatives and adverse info on his credit history but after doing the same secured promotion he was given an unsecured limit of 1000 % and was never asked to show how he would pay the unsecured credit line before they increased the unsecured credit limit. This is discrimination and this is unacceptable.I spoke to a supervisor by the name of XXXX XXXX in XXXX credit operations.
Company Response: Closed with explanation

Timely Response