DISCOVER BANK

2018-08-20

Lk Buena Vis, 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: On XX/XX/XXXX, I purchased a laptop computer from XXXX with my Discover card. The brand name is XXXX. The computer did not boot up - it was defective, showing a blue screen and error message. We called XXXX and they were supposed to send a CD that could correct the problem. It was never received. I decided I needed to return the computer and obtain a refund. I contacted XXXX from which the computer the purchased. Amazingly they reported they had no history of the transaction. ( A few months later they were able to locate the purchase. ) I contacted Discover. They agreed to look into it and gave me a temporary credit in the amount of the purchase ( {$1000.00} ). It posted on XX/XX/XXXX. I have contacted Discover by phone and utilized their email dispute service. I have uploaded information indicating that I returned the computer to XXXX on XX/XX/XXXX. I uploaded a letter from XXXX indicating a credit was issued to my Discover card on XX/XX/XXXX, XXXX says their investigation is complete and I owe the money. This is absurd and certainly not in keeping with Visa or Mastercard 's practices.
Company Response: Closed with monetary relief

Timely Response

2018-08-20

Syracuse, 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
Complaint: On or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-20

East Elmhurst, NY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-08-20

Deltona, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-08-20

Oxford, GA

Problem when making payments

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

Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-08-20

Forest Oaks, NC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response

2018-08-20

Weston, CT

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 monetary relief

Timely Response

2018-08-19

Byers, CO

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-08-18

Odenton, MD

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

2018-08-18

Arco, CA

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 XX/XX/2017.
Company Response: Closed with explanation

Timely Response

2018-08-18

Roseland, CA

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2018-08-18

Finksburg, 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
Complaint: Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.
Company Response: Closed with explanation

Timely Response

2018-08-18

Jacksonville, FL

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: XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-08-18

Winton, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: To whom it may concern I was served a copy from a court settlement debt. This Discover account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is Discover Bank with the case number of XXXX and I as the defendant. I never opened this Discover Bank nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( DISCOVER ATTORNEY ) but no luck. I was only able to leave a message. Please help me settle this or correct this mistaken debt collection. I could also be reached at XXXX or XXXX XXXX XXXX. Thank you and have a great day.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

Palos Park, IL

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks
Company Response: Closed with explanation

Timely Response

2018-08-17

Birmingham, AL

Other features, terms, or problems

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

Problem with customer service
Complaint: Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.
Company Response: Closed with explanation

Timely Response

2018-08-17

DE

Fees or interest

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

Charged too much interest
Complaint: The interest rate is computing at 22 % I believe the logarithm is calculating incorrectly. I keep challenging the way the calculate is being assessed mind you there is no Cash Advance balance. I believe that I am being subjected to the Usury Act practices. No one will manually calculate the interest and the balance continuous to be maxed out or over the limit even when paying more than the minimum balance. They increase the line by XXXX and within a few months with very limited charges the balance has max by credit line to over the limit.
Company Response: Closed with explanation

Timely Response

2018-08-16

Chester, NY

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 non-monetary relief

Timely Response

2018-08-16

Spfld, MA

Fees or interest

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

Charged too much interest
Complaint: I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-16

Brown Deer, WI

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 explanation

Timely Response

2018-08-16

Goffstown, NH

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2018-08-16

Wonder Lake, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.
Company Response: Closed with explanation

Timely Response

2018-08-16

Newberry, SC

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2018-08-16

Leeton, UT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Discover Is attempting to collect on a debt I do not owe. This debt had been paid off, and they are still showing a balance.
Company Response: Closed with explanation

Timely Response

2018-08-15

Richmondville, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response