DISCOVER BANK

2018-09-10

Hamburg, MN

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

2018-09-10

DC

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
Complaint: Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies
Company Response: Closed with explanation

Timely Response

2018-09-10

FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I have graduated XX/XX/2017, I have been making my loan payments on time every month and have tried several times to lower my interest rate on my colleg loan or consolidate/refinance the loans so my payment will actually help lower my loans. I have been turned down every time due to the fact that my debt to income ratio is too low. How am I supposed to get these loans lowered when my monthly payment that I can afford is only going to the interest? My private student loan have now reached over {$120000.00} and I am only making {$15.00} an hour until I can get more experience in my field. My interest rates on my Discover private loans range from 5.615 % to 9 %. and XXXX XXXX is 6-9 %
Company Response: Closed with explanation

Timely Response

2018-09-09

La Cienga, NM

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
Company Response: Closed with explanation

Timely Response

2018-09-08

Mount Holly, OH

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: i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking
Company Response: Closed with explanation

Timely Response

2018-09-08

Taft, OH

Incorrect information on your report

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

Account information incorrect
Complaint: I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.
Company Response: Closed with explanation

Timely Response

2018-09-08

Cal Poly Slo, 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
Complaint: Date Purchased - XX/XX/2018. Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
Company Response: Closed with explanation

Timely Response

2018-09-08

Cheverly, MD

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

2018-09-07

Marietta, GA

Closing your account

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

Company closed your account
Complaint: We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.
Company Response: Closed with explanation

Timely Response

2018-09-07

Soquel, CA

Fees or interest

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

Unexpected increase in interest rate
Complaint: I have two Discover Cards # XXXX and # XXXX and am a long time customer. The interest rate on purchases on card # XXXX was lower than my card # XXXX. Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-07

Pottstown, PA

Charged fees or interest you didn't expect

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

Company Response: Closed with monetary relief

Timely Response

2018-09-06

Los Angeles, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. I explained to XXXX that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.
Company Response: Closed with explanation

Timely Response

2018-09-06

Chicago, IL

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2018-09-06

South Florida, FL

Problem when making payments

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

Problem during payment process
Complaint: I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-09-06

Five Points, PA

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response

2018-09-06

Sebring, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit card accounts. An inquiry from Discover was found on his XXXX and XXXX credit reports related to one of these fraudulent applications. An official dispute of this application was submitted to Discover XX/XX/2018 ; Discover replied stating the inquiry was accurate as it was related to an application. While the dispute was acknowledging the application was submitted it also indicated the nature of the application was related to an issue of fraud and identity theft and under teh FCRA that inquiry is to be removed from any and all credit reports. This current actions is a direct violation of the FCRA and my clients federal consumer rights.
Company Response: Closed with explanation

Timely Response

2018-09-06

IL

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: This is my second complaint because Discover card has continued to initiate a charge back that I did not authorize or know about and that the company assured me in writing and by telephone was not going to be initiated and was supposedly rectified/cancelled and was Discover cards ' " inadvertent error '' ( their words in writing to me and your office of XX/XX/2018 by XXXX XXXX, Senior Associate, Discover 's Executive Office of Customer Advocacy ). See previous complaint CFPB # XXXX. Despite the above-referenced letter of XX/XX/2018 from Discover card, the company pushed through a charge back of my airline tickets charge five days before the date of this letter. As a result, my tickets ( that had {$200.00} vouchers that are now expired and can not be used XXXX were cancelled. The airline states in an email when I questioned them today " Hello XXXX, I would be happy to assist you with your request, but our records currently reflect that you filed a dispute with your credit card company on XX/XX/XXXX. Once a dispute is filed we are unable to further assist your claim. To obtain information regarding your dispute, please contact your financial institution directly. '' The right hand of Discover doesn't know what the left hand is doing at this company. I responded to the above-referenced " Senior Associate '' by telephone three times after receiving his letter and he never answered and didn't return my call despite leaving multiple voicemails. I called him prior to learning that Discover card indeed finalized a charge back of my airline tickets ( again, without my knowledge or consent ). I only learned about this charge back when I received my Discover card bill on XX/XX/2018 and called the company to see why a charge was posted to my account, that the company previously provided courtesy credit for due to their mistake in initiating a charge back. After two days on the phone ( to no avail ) with Discover card and enduring delays and low-level employees who promised an immediate call back from a supervisor that never happened - and after emails and phone calls back and forth to the airline - I learned that MY AIRLINE TICKETS WERE CANCELLED because of Discover cards ' charge back that never should have happened in the first place and which the company assured me would not occur because it was a mistake. This has caused us great distress, lots of time, and has put a long-planned vacation at risk. I have been on the phone with Discover card and the airline all summer since XX/XX/XXXX when the airline tickets were purchased online. What right does Discover card have to summarily decide to put my charge in dispute without my consent or knowledge and despite the company 's assurances that their " inadvertent error '' would not continue to a full charge back? I have all the emails and documents to support this and Discover card has all the recorded calls and voluminous notes on those calls to support my contention that they acted improperly and recklessly and on my behalf without authorization or knowledge. I understand now why this company has so many complaints on your website and throughout the Internet. The customer service and quality control of Discover card has greatly deteriorated recently and as a result, they are losing two long-time customers with great credit scores. Further, I have already begun to tell everyone I know not to use Discover card. AND TO ADD INSULT TO INJURY, WITH NO FINANCIAL TRANSACTIONS THAT MIGHT HAVE CAUSED THIS, DISCOVER 'S RECENT BILL SHOWS OVER A 30 POINT DECREASE IN MY EXCELLENT CREDIT SCORE. This can't be right either! This company is a joke!
Company Response: Closed with explanation

Timely Response

2018-09-06

Richmond, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-06

Bowens Corners, NY

Getting a credit card

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

Application denied
Company Response: Closed with non-monetary relief

Timely Response

2018-09-06

AR

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 CONTACTED DISCOVER TO REPORT FRAUD ON MY ACCOUNT. I FOUND CHARGES ON XX/XX/XXXX MADE BY AUDIT RECOVERY SYSTEMS FOR {$1300.00}, AND THE OTHER FOR {$2200.00}, I SPOKE WITH A WOMEN NAMED XXXX XXXX SHE EXPLAINED THAT THEY WOULD NEED A COPY OF THE STATEMENT AND A LETTER EXPLAINING THAT I DID NOT DO BUISNESS WITH THIS COMPANY. ONCE I GOT OF THE PHONE I GOT ALL OF MY STATEMENTS TOGETHER, AND REALIZED THAT THERE WERE NUMEROUS CHARGES THAT I WAS SUPPOSED TO GET BACK THAT I WASNT SURE IF I DID SO I HIGHLIGHTED THOSE CHARGES, AND INCLUDED THEM IN MY LETTER. WHICH I THEN MAILED OUT ON XX/XX/XXXX, WHICH WAS SENT TO THE XXXX XXXX AT XXXX XXXX XXXX XXXX AZ XXXX. WHEN I SPOKE WITH XXXX SHE EXPLAINED THAT IT CAN TAKE UP TO 90 DAYS FOR THE COMPANY TO GET BACK TO ME, BUT IT HAS BEEN OVER 110 DAYS. I HAVE NOT HEARD ANYTHING FROM THE COMPANY, AND HAVE NOT GOTTEN THE MONEY CREDITED TO ME.
Company Response: Closed with explanation

Timely Response

2018-09-05

Washington, DC

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: In XX/XX/XXXX my Discover Student Loans started in repayment. I received an email saying {$540.00} was due and I promptly paid that amount on XX/XX/XXXX through the website. When my XXXX bill was due, the website showed that I paid in XXXX, but the total amount due for XXXX did not reflect that payment. It showed I owed {$1000.00}. I called Discover because I could not make that large of a payment, but I did make what I thought should have been my monthly payment of {$540.00} on XX/XX/XXXX. I didn't realized at that time that the company did not apply my first payment correctly, so I asked if I could skip remaining payment for the month of XXXX. They agreed for me to skip the remaining XXXX payment and have the cost added to my monthly payments for a year starting in XXXX. However, when I next checked how much was due, the total number reflected both the XXXX and XXXX payment, as well as the increased payment for XXXX ... all due in XX/XX/XXXX. I called Discover back and on this second call, they realized they had never applied my XXXX or XXXX payments of {$540.00} correctly towards the principle. At this time, they removed the payment plan I had set up to start in XXXX and told me they would apply my XXXX and XXXX payments correctly so that I would simply owe another {$540.00} in XXXX. The Discover representative apologized and told me he would submit a report to Discover 's headquarters about the incident. Today I called Discover back again after seeing that nothing was fixed and they now wanted {$1600.00}. This time, I was again told that the problem would be corrected in Discover phone encounter XXXX ( unfortunately, I did not write down the phone encounters for previous calls and I have no receipts ). I am submitting this claim because calling Discover multiple times has not solved the problem.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-05

Berthoud, CO

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-09-05

Palos Park, IL

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 made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.
Company Response: Closed with explanation

Timely Response

2018-09-05

Frisco, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-09-05

Las Vegas, NV

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
Complaint: Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX RE : Discover card account ending in XXXX ( fraud ) and XXXX ( replacement ) Consumer Financial Protection Bureau, Case No. : XXXX Dear XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau. To ensure your concern regarding your Discover card is efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at Discover. On XX/XX/XXXX you reported three transactions that posted on XX/XX/XXXX and XX/XX/XXXX as fraud. The charges included a XX/XX/XXXX charge for {$250.00}, an XXXX XXXX charge of {$270.00} and a XXXX charge for {$14.00}. At that time, your account ending in XXXX was closed as fraud. Replacement account ending in XXXX was issued and our Customer Protection Services investigated the matter. During the course of our investigation, you had provided inconsistent information regarding your fraud claims, we noted that you have disputed and undisputed charges at the merchants where you have disputed charges, and you had previously validated transactions at the same merchant locations after initially reporting the charges as fraudulent. On XX/XX/XXXX, our investigation was concluded and it was determined that no fraud had occurred on your account. A letter indicating this was mailed to you on XX/XX/XXXX. In addition, on XX/XX/XXXX, a letter was mailed to you requesting you contact our Customer Protection Services to provide additional information so that we may continue our investigation. We have no record of you contacting our Customer Protection Services to provide additional information to support your claim. We have reviewed this matter and have confirmed that you have been found to be responsible for the three transactions based on the details of our investigation. Although our investigation of this matter has concluded, if you are able to provide additional information to support your fraud claim, we will be happy to review it. Please contact our Customer Protection Services. Investigators directly with any new information. Investigators can be reached at ( XXXX ) XXXX. Although we consider the transactions to be valid and the dispute investigation resolved, it is a requirement to notify the credit bureau reporting agencies of your request to continue this dispute until you advise us to remove the dispute status. The credit bureau agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX XXXX Senior Associate, Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau. " The Frad department claim that I never made any contact???? '' this is very false ... why would you read me back this letter, when you guys contact me over the phone and i called you guys back was that not voice recorded???? you guys asked me question over the phone and told me if you guys need more information that you guys would contact me again but that never happened ... .so what are you guys hiding from me???? i have followed discover.com direction and they are still accusing me and The executive office isn't any help on how horrible this customer service is ... ..if you gon na call me and try to work with me and then go around and claim that there was never a contact then this company is giving out false information!!!!!
Company Response: Closed with explanation

Timely Response