DISCOVER BANK

2018-07-19

Beaverton, OR

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-19

Calabasas, CA

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

2018-07-19

Lyons, KS

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2018-07-19

Orlando, FL

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

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

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

Timely Response

2018-07-19

Coto De Caza, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2018-07-19

Bartlett, TN

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

2018-07-19

Cleveland, OH

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: It is my opinion and firm belief that Discover Card and subsequently XXXX XXXX committed fraud and failed to honor its consumer protection policy on an item never received by the consumer causing the consumer anxiety, shock, emotional distress, and monetary loss. Employees failed to honor consumer protection policies and attempted to deceive the consumer even going as far as sneaking charge-backs onto the consumers account without notifying the consumer. On several occasions Discover posted We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. under disputes however never sent a letter or secure message including documentation they reviewed. Only the consumers due diligence in reviewing the disputes page revealed the deception. The disputes page is NOT the Discover secure message. Employees attempted to deceive the consumer that they had received correspondence from XXXX that the charge was valid however no new documentation had been received and a prior review of initial documentation received resulted in a ruling by Discover that it was an invalid response and the temporary credit was reinstated to my account. Employees attempted to browbeat the consumer when they removed the temporary credit claiming that XXXX had my name and credit card and that they therefore could not dispute the charge despite the fact that there was no new documentation from XXXX and that XXXX had ruled in my favor. Employees fraudulently replaced a closed investigation found in favor of the consumer with a second review stating the charge was valid without notifying the consumer. Employees attempted to deceive the consumer that the temporary credit had to be removed to balance the account despite the fact that Discover had applied a courtesy credit and the matter had apparently been resolved. Employees refused to allow the consumer to escalate his complaint to speak with a supervisor claiming the supervisors were not available and in one instance claiming that they sent the supervisor an email and that the consumer would hear back in 72 hours even though a supervisor never called back on the stated complaint. Employees failed to acknowledge that the consumer had provided documentation that XXXX had ruled in favor of the consumer and had allowed the chargeback. Despite a call to XXXX XXXX XXXX on XXXX-18 and discussion with XXXX XXXX who committed to investigating my complaint and responding in two business days, Mr. XXXX only called back 11 days ( accounting for XX/XX/XXXX holiday ) later on XXXX-18 and had NOT resolved the complaint. Mr. XXXX had introduced himself as an associate however a search on XXXX revealed that Mr. XXXX was a coach/supervisor. Discover refused to connect me with Independent Director of Internal Audit, XXXX XXXX XXXX. As promised I am filling a complaint with the CFPD.
Company Response: Closed with explanation

Timely Response

2018-07-19

MN

Problem when making payments

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

Problem during payment process
Complaint: Recently in a response to a settlement offer on my account ( ending in XXXX ), I contacted Discover. I spoke with a customer service agency, XXXX, about setting up payment arrangements on a past due account since I couldn't afford the settlement. I sent in a {$500.00} good faith payment as agreed upon on the date agreed upon and then regular monthly {$200.00} payments, which they have accepted and cashed. Even when I was out of work and on unemployment benefits I sent in regular payments, albeit smaller than the minimum due, just to show that I had every intention to pay this account.All payments have been cashed by Discover but in XX/XX/2018, despite a payment agreement in place, my account was sent to a collections agency. Despite this, knowing that I had this payment agreement, I have been sending in my payments to Discover as I guaranteed that I would, and I have been writing letters with each payment asking this to be removed from collections and to keep the agreement that was set up with their customer service department. No one ever contacted me back in response to these letters. I have also been in contact with the collections agency, XXXX XXXX XXXX whom held the inaccurately discharged account as well who state they contacted Discover and they have no record of the payment agreement. Which is absurd since I personally talked to a customer service agent and I have kept my end of the deal. This should have NEVER been sent to collections. I filed a BBB complaint against XXXX and got an email from the Executive Office of Discover from XXXX XXXX stating that she was going to look into this on XX/XX/2018. I then received a letter from the sheriff on behalf of XXXX XXXX XXXX stating that I was being sued. Which is insane since I was making all my payments as agreed upon with Discover, they knew this and still continued with collections activity even though I was disputing the collection activity of this account. Since XXXX emailed me on the XXXX I have sent XXXX emails, one with proof of all cashed payments and left XXXX voicemail and she has not responded at all. I feel I am being screwed over by this large bank and my credit is being hurt in the meantime. I need help. I want to continue my payment arrangement and have this account removed from collections and off my credit report as in collections. I want to make good on my debt and avoid bankruptcy but I am.getting zero response from Discover. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Company Response: Closed with explanation

Timely Response

2018-07-18

State College, PA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-18

Fort Worth, TX

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: This company has called me 5 times in one day. Im sure this is harassment. I have blocked other numbers similar to this one and they just keep calling from new ones.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Taft, OH

Other features, terms, or problems

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

Other problem
Company Response: Closed with monetary relief

Timely Response

2018-07-18

Harvey, LA

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

2018-07-18

Cleveland, OH

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief

Timely Response

2018-07-17

Gages Lake, IL

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 non-monetary relief

Timely Response

2018-07-17

Fort Myers, FL

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

2018-07-16

Marinwood, CA

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

2018-07-16

Galt, CA

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

2018-07-16

Las Vegas, 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: I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.
Company Response: Closed with explanation

Timely Response

2018-07-16

Livingston, NJ

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-07-16

Shoshoni, WY

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

2018-07-16

Chester, NY

Closing your account

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

Company closed your account
Complaint: I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.
Company Response: Closed with explanation

Timely Response

2018-07-16

NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Discover continues to report a debt on my credit report that I did not initiate. I have already submitted a FTC fraud affidavit and police report, but they refuse to take this off of my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-16

NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.
Company Response: Closed with explanation

Timely Response

2018-07-16

Seattle, WA

Identity theft protection or other monitoring services

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

Problem with product or service terms changing
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!
Company Response: Closed with explanation

Timely Response

2018-07-15

Flushing, NY

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