DISCOVER BANK

2018-07-15

Malden, MA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-07-14

Atalissa, IA

Problem when making payments

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

Problem during payment process
Complaint: ( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. ( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.
Company Response: Closed with explanation

Timely Response

2018-07-13

Neotsu, OR

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. My concern is for the thousands of others crushed by student loan debt who they may suffered. XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )
Company Response: Closed with explanation

Timely Response

2018-07-13

GA

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
Complaint: Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.
Company Response: Closed with explanation

Timely Response

2018-07-13

WI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.
Company Response: Closed with explanation

Timely Response

2018-07-13

WI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: My last five automatic monthly payments have been misapplied by Discover. Their official policy on their website states that payments will be applied in the following order : late fees and penalties, interest, principal. However, my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to one of my four loans ; and my XX/XX/2018 payment was only applied to one of my four loans. This is in direct violation of Discover 's policies and is not in the best interest of the borrower as it is an inefficient payment method that increases the amount owed for the borrower. Because some of my loans did not have the payment issued towards its interest or principal, my credit score was affected because I had a line of credit with an increasing balance. I called Discover on both XX/XX/18 and XX/XX/18 reporting the error that they failed to identify. They assured me both times that the error would be addressed promptly but they have not done so. Both times they could not provide a reason for the error.
Company Response: Closed with explanation

Timely Response

2018-07-13

Gaston, IN

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I already filed a complaint numbered XXXX against XXXX XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. Your prior requests were declined due to the timeframe in which they were requested. XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. Thank you for allowing us the opportunity to respond to your concerns. Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
Company Response: Closed with explanation

Timely Response

2018-07-12

West Brandywine, PA

Getting a credit card

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

Problem getting a working replacement card
Complaint: I contacted Disciver to get replacement cards. Discover notified me of the cards being produced and in transit. The cards arrived. I had to call to activate the cards. Upon calling today, XXXX XX/XX/2018 at XXXX, after a lengthy hold, they informed me they closed my account " due to inactivity. '' I GOT REPLACEMENT CARDS TO USE THE CARD, THEY SENT ME THE CARDS, THEN SAID IT WAS INACTIVE WHICH WAS THE VERY REASON, ON MY OWN, I WANTED THE NEW CARDS. I believe there just has to be something more here like age discrimination or job discrimination. I have an XXXX FICO 8 credit score -- KNOW VIA THEIR OWN WEBSITE!
Company Response: Closed with explanation

Timely Response

2018-07-12

NC

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-12

Olympia, WA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-07-12

Houston, 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
Company Response: Closed with explanation

Timely Response

2018-07-12

Arco, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. After moving from XXXX to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.
Company Response: Closed with explanation

Timely Response

2018-07-12

Bloomington, 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
Complaint: I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.
Company Response: Closed with explanation

Timely Response

2018-07-12

VA

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: Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone DISCOVER, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. * XX/XX/XXXX, A letter was drafted to DISCOVER to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, XXXX, XXXX XXXX, and XXXX ). * XX/XX/XXXX, I asked for proof of contract because DISCOVER has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that DISCOVER refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. * XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with DISCOVER and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. * XX/XX/XXXX, I mailed a reminder to DISCOVER indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. * XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to DISCOVER to the address listed on my credit reports. Discover responded with a form letter stating their company refuses to comply. * XX/XX/XXXX a settlement offer was mailed CMRR to DISCOVER offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, DISCOVER refused my payment in exchange for the PAPER required to lend money or credit per TILA. There is no question that DISCOVER is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless DISCOVER can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
Company Response: Closed with explanation

Timely Response

2018-07-12

W Chester, PA

Other features, terms, or problems

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

Problem with convenience check
Company Response: Closed with explanation

Timely Response

2018-07-12

Glyndon, MD

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

2018-07-11

Lakeland, FL

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-07-11

San Jose, CA

Closing your account

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

Can't close your account
Complaint: I just found out in the month of XX/XX/XXXX that their is a lien on my property from an account from Discover Bank since XX/XX/XXXX which is 9 years old. I have a homestead on my property which does not allow a lien unless it is a mechanics lien, which means part of a home improvement. A credit card is not a home improvement loan that can put a lien on my property. A normal credit card would generally be off my credit report within 7 years. I don't know how Discover Bank was allowed to receive a Judgment and lien on my personal home ( resident ) as I don't remember ever having a Discover Card. This was done illegally through deception of a Judgment. I understand a credit card can get a judgment. But not a lien on personal property. I don't remember ever having a Discover Card. This account is not mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-11

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-11

MA

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 cancelled my XXXX XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-07-11

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-07-11

Natrona Hts, PA

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

2018-07-11

Chesterfield, MO

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with explanation

Timely Response

2018-07-11

East Hardin, 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
Company Response: Closed with non-monetary relief

Timely Response

2018-07-11

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Loans were initially through Discover. In XXXX refinanced with XXXX. On XX/XX/XXXX XXXX issued a check to pay off {$31000.00} of loans with Discover. On XX/XX/XXXX, Discover took out the monthly auto payment. Contacted Discover and they said they never received a check and I would need to get a copy of the cancelled check from XXXX. They have since sent two copies of the cancelled check to Discover. Reviewing the Discover account in XXXX, the check still had not been posted. Contacted the customer service center at Discover. They said they had notes that they received copies of the cancelled check, but wanted me to provide the ABA and Acct #. I explained that the payoff was from XXXX and I did not have that information. Their response was that an investigation had to be initiated before the check could be posted, and they agreed not to take the next auto pay due on XX/XX/XXXX until this was resolved. 60 days later they still have not posted the payoff check, they have deducted the autopay from my bank account and now XXXX is also taking payments for the refinance they processed. How do I get Discover to process the loan payoff properly?
Company Response: Closed with explanation

Timely Response