DISCOVER BANK

2018-09-19

Jamaica, NY

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2018-09-19

Flushing, NY

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-09-18

Centereach, NY

Closing your account

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

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

Timely Response

2018-09-18

CA

Incorrect information on your report

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

Account information incorrect
Complaint: I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. I had a credit card account with Discover Bank, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to Discover Bank -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that Discover Bank just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the Discover Bank and they are no longer collecting the balance. I verified my tax records and I received a XXXX Cancellation of Debt from Discover Bank, and subsequently had to pay the IRS the income tax due on the cancelled debt that Discover Bank reported. I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but Discover is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and Discover are reporting a Balance on the account. I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX. XXXX. XXXX. XXXX ) Discover Bank v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX. XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Company Response: Closed with explanation

Timely Response

2018-09-18

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: My statement of XX/XX/XXXX to XX/XX/XXXX showed an item of " XXXX XXXX XXXX {$490.00} '' adding to my statement. The first time that this {$490.00} showed on my statement was in XX/XX/XXXX. And I didn't recognize it, since it was saying the {$490.00} was for XXXX, but I never had a XXXX account. And I was in XXXX during the period of XX/XX/XXXX to XX/XX/XXXX and I couldn't use this card in XXXX. Clearly, it was a fraud. I reported this dispute of {$490.00} to the bank and they were pretty helpful and gave back my money. But on my XXXX 's statement, this {$490.00} together with other transactions ( I recognized and paid for those ones ) showed again. I called the bank. They told me after investigation, this transaction was made by XXXX and the bank didn't recognize it as a fraud anymore. BUT, I don't even have XXXX and I wasn't able to use Discover Card in XXXX. The bank told me that they would go through another investigation of my case. It has been two months since I reported the issue. And I haven't had any feedback from the bank yet.
Company Response: Closed with explanation

Timely Response

2018-09-18

Danbury, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. Checking account # XXXX XXXX Credit card # XXXX
Company Response: Closed with explanation

Timely Response

2018-09-18

Key Biscayne, FL

Loan payment wasn't credited to your account

Payday loan, title loan, or personal loan: Payday loan

Complaint: My name is XXXX XXXX, In XXXX I refinance my home mortgage. I also did a cash out where I sent payments to several of my creditors. Ten creditors and personal loan companies. All have applied the mailed payments with the exception of two. Discover Bank and XXXX XXXX / XXXX ( XXXX XXXX XXXX ). The XXXX XXXX XXXX XXXX I have asked that my Loan Company stop payment on the check and issue a new check and mail. However, Discover Bank Received the check payment, check # XXXX for {$5200.00}, on or before XX/XX/XXXX. According to my new mortgage company the check cleared on XX/XX/XXXX. On phone conversations with Discover Bank Loan Personal Department Manager XXXX, they admit receiving the payment. However, since XX/XX/XXXX. they have been telling me that the payment will be applied the next day. It is now XX/XX/XXXX and the payment of {$5200.00} has not been applied. With no explanation? Can you help me??
Company Response: Closed with explanation

Timely Response

2018-09-18

Midlothian, TX

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-09-18

Nyc, NY

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.
Company Response: Closed with explanation

Timely Response

2018-09-18

Hammond, IN

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with non-monetary relief

Timely Response

2018-09-17

Brooklyn, NY

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2018-09-17

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

2018-09-17

Fresno, TX

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-09-17

Rochester, WA

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: On XX/XX/2018, I was victim of a screen pop-up computer scam by a company claiming to be legitimate XXXX representatives, urged to call their number or whole computer and files would be deleted, etc. I fell for the scam, called them, and ultimately paid this bogus company " XXXX XXXX '' {$340.00} to 'fix ' the problem. I put that charge on my Discover Card. Next day, realizing I had indeed been scammed, I called Discover, cancelled the card used, and told them I would dispute any charge that came thru my account from this company. I got another card and new account number. The charge finally did show up after a few days, and I followed instructions from Billing Assistance to document the fraudulent scam and the actions I took to clear my computer, taking it to XXXX XXXX and paying for The XXXX XXXX to clean it and remove all XXXX XXXX-planted spyware and viruses. I sent all documentation from XXXX XXXX and a 3 page letter outlining what had happened during the phone call with XXXX XXXX to Billing Assistance via XXXX overnight mail on XX/XX/XXXX. It arrived at XXXX. XXXX XXXX in XXXX XXXX XXXX UT at XXXX XXXX on XXXX XXXX. A week later, however, I got an email saying my information had not arrived and if I didn't file it, my dispute would continue without it. I called immediately and spoke with a customer rep who told me she had no way of knowing if the information had arrived but that it took 10 days from the time it did arrive to get to the fraud squad. I accepted that. Another week later, a second email arrived saying my info had not arrived, etc. I called again, and was again told there was 1 ) no one to whom I could speak because it wasn't their department, 2 ) documentation took 10 days to reach the fraud department ( by now it had been 11 days since the info I mailed had arrived ) and 3 ) there was nothing further they could tell me. I faxed my documentation this time on XX/XX/2018. Still, there was no way to ascertain if it arrived. A customer service agent again said it would take 10 days for faxed information to get to the appropriate department in the dispute and there was no one who could help me. Then I got two emails sent within hours of each other saying that Discover had 'reviewed the information provided or that it was insufficient ' and they could not continue the dispute, finding in favor of the charge which was posted by a cover company, XXXX XXXX XXXX XXXX a Discover merchant company. I was invited to send in further documentation I have 'not yet shared with them ' and have 15 days from XX/XX/XXXX in which to do so. They consider the transaction valid and are notifying credit bureaus of my request to continue the dispute. I have no idea what documents of mine they used and why they were insufficient! XXXX XXXX records and a three page letter with names and techniques used seem not to have sufficed! Now Discover considers this dispute resolved! I will not pay these two illicit companies ... XXXX XXXX and its umbrella front, XXXX XXXX XXXX, with my Discover account, which is in excellent standing in every other way. I will continue to submit information to Discover, this time using the Scam description pages from the FTC website that word for word describe the scam perpetrated upon me, putting in my facts. I have filed a complaint against XXXX XXXX and its complicit company XXXX XXXX XXXX with the FTC. I am filing a complaint against Discover because it is not transparent in its communications with the customer nor internally. Someone should be able to tell a customer if and when documents have arrived! Someone should know, and 10 days to get it to the right fraud team seems excessive and also specious. Also, the emails claimed to have 'already reviewed my information ' while not explaining why it was insufficient. Nobody was available to answer my calls forwarded to the right departments by customer service agents. Discover has handled this shabbily and I am very upset with the outcome of my claim since it so clearly is a case of fraud by one of their merchants!
Company Response: Closed with explanation

Timely Response

2018-09-17

Newport Beach, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-09-17

Brooklyn, NY

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

2018-09-16

Milpitas, CA

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with non-monetary relief

Timely Response

2018-09-16

San Francisco, CA

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. Discover credit card I already paid them in full 3 years ago XXXX XXXX Already paid them in full around XXXX of this year. XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already
Company Response: Closed with explanation

Timely Response

2018-09-14

Asheville, NC

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
Company Response: Closed with explanation

Timely Response

2018-09-14

Phoenix, AZ

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-09-14

Key Biscayne, FL

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: I BOUGHT A PLANE TICKET WITH XXXX XXXX DIRECTLY ON THEIR WEBSITE USING MY DISCOVER CREDIT CARD ENDING IN XXXX. THE PURPOSE OF THIS FLIGHT WAS FOR STUDY ABROAD AT THE UNIVERSITY XXXX XXXX, XXXX ON XX/XX/2018. UNFORTUNATELY, MY GRAND PAPA, WHO RAISED ME AND HAS BEEN MY GUARDIAN DURING MY CHILDHOOD, HAD A LIFE THREATENING HEALTH EMERGENCY ( ATTACHED YOU WILL FIND PROOF OF THE XXXX XXXX THAT MY GRANDFATHER HAD TO UNDERGO BECAUSE OF HIS XXXX ) AND THEREFORE I WAS NOT ABLE TO TRAVEL TO XXXX. I WAS FORCED TO CANCEL MY TRIP WEEKS IN ADVANCE IN ORDER TO STAY AND TAKE CARE OF MY GRANDPARENTS. WHEN I ATTEMPTED TO CONTACT XXXX XXXX, IN A VERY RUDE AND AGGRESSIVE WAY I WAS INFORMED THAT I DID NOT QUALIFY FOR ANY KIND OF REFUND AND ALTHOUGH I SPOKE AND ARGUED WITH SUPERVISORS IT WAS IMPOSSIBLE TO ACHIEVE THAT THIS FOREIGN COMPANY OPERATING ON NORTH AMERICAN SOIL TO GIVE ME THE SERVICE AND ATTENTION THAT A PASSENGER DESERVES AND FOR THEM TO DO SO IN SUCH A WICKED AND INSULTING WAY COMING FROM SPAARDS WHO HAVE NEVER BEEN IN A COUNTRY OF RULES AND RIGHTS LIKE THE USA AND THEREFORE SIMPLY DID NOT UNDERSTAND MY PETITION. I FORMALLY DISPUTED THE CHARGE ON THE CREDIT CARD WHICH WAS USED FOR THIS TRANSACTION AND DISCOVER GAVE ME A CREDIT UNTIL THEY ARE ABLE TO GET A RESPONSE FROM XXXX XXXX. XXXX CHARGED ME AGAIN AND I AGAIN FILED A DISPUTE ON THE CHARGE AND DISCOVER GAVE ME ANOTHER CREDIT. ON XX/XX/2018 I WAS SURPRISED TO FIND THAT MY DISPUTE WAS DETERMINED TO BE WITHOUT PLACE AND I SIMPLY DO NOT UNDERSTAND THE FOLLOWING POINTS : A : CANCELLING THE FLIGHT WEEKS IN ADVANCE, XXXX HAD THE NECESSARY TIME TO TRICK OTHER PEOPLE INTO PURCHASING THAT FLIGHT WITH THEM. B : WHEN THE TICKET WAS PURCHASED, I WAS NEVER MADE AWARE THAT I COULD NOT CANCEL THE FLIGHT AND THAT MY TICKET WAS NON-REFUNDABLE. THEY SIMPLY INFORM YOU OF THIS ONCE A CIRCUMSTANCE COMES UP THAT IS OUT OF YOUR HANDS. IN A FEW WORDS, A TOTAL DECEPTION. C : A FAMILY EMERGENCY THAT OBLIGATES ME TO WASTE VERY VALUABLE STUDY TIME IN WHICH I COULD BE OBTAINING EXCEEDING KNOWLEDGE TURNS INTO A FINANCIAL NIGHTMARE BECAUSE OF A COMPANY THAT OPERATES IN THE USA UNDER THE MISLEADING TACTIC OF BAIT AND SWITCH WHICH HURTS THE INOCENT CONSUMER INTO BELIEVING THAT THE COMPANY IS A SERIOUS ONE. BUT NONETHELESS, THEY ARE NOT PENALIZED FOR ACTING THIS WAY AND THEY CAN STEAL MONEY FROM STUDENTS WHO ARE ONLY ABLE TO WORK THE FEW HOURS THAT WE CAN IN ORDER TO BE ABLE TO PROGRESS ACADEMICALLY AND HAVE A BETTER FUTURE. I SIMPLY DEMAND JUSTICE IN THIS CASE AND FOR MY MONEY TO BE RETURNED TO ME IN ITS ENTIRETY CONSIDERING THAT THE TRIP WAS NEVER REALIZED AND I CANCELLED IT WITH SUFFICIENT TIME IN ADVANCE SO THAT THE COMPANY FROM WHOM I PURCHASED IT WOULD NOT SUFFER ON MY ACCOUNT. I FEEL DISCRIMINATED BY DISCOVER CARD AND SINGLED OUT IN THIS SITUATION. I WAS NOT BORN IN THE USA AND MY ENGLISH IS NOT THE BEST. ALL I WANT IS TO HAVE MY REIMBURSEMENT EFFECTED. I REQUESTED CANCELLATION F THE FLIGHT WITHIN TIME FRAME ALLOWED BY CARRIER AND HAVE PROCESSED THE REQUEST MULTIPLE TIMES. DISCOVER ISSUED AT FIRST REIMBURSEMENT JUST TO LATER RENEGING ON IT AND RE APPLIED THE CHARGE. THIS IS UNFAIR, INCORRECT AND NOT ACCORDING TO CARRIERS OWN CANCELLATION POLICIES. PLEASE REIMBURSE MY FUNDS.
Company Response: Closed with explanation

Timely Response

2018-09-14

Farmingtn Hls, MI

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-09-14

Gold River, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-09-14

TN

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: XX/XX/2018 I ordered a Trial of XXXX XXXX for {$4.00} which I paid with my Discover card. I told the person taking the call TO SEND ONLY the Trial and that NOTHING else was being ordered. They charged my card {$4.00} which was the price for a trial bottle ; which I paid. I received a bottle around XX/XX/XXXX and it was apparently from XXXX XXXX XXXX ; although it was a bottle of XXXX XXXX. XX/XX/2018, Now XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. XX/XX/2018, XXXX XXXX XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. Around XX/XX/XXXX I realized this was a scammer outfit and I packaged up the two bottles I received of XXXX XXXX and sent them to the shipping address on the box ( had no other address ). I have proof that they received the two bottles.
Company Response: Closed with explanation

Timely Response

2018-09-14

Simpsonville, SC

Improper use of your report

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

Report provided to employer without your written authorization
Company Response: Closed with explanation

Timely Response