DISCOVER BANK

2018-07-05

Columbia, SC

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

2018-07-05

Lafayette Hl, PA

Other features, terms, or problems

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

Other problem
Complaint: I disputed a charge with Discover for a service I did not receive. Discover is clearly biased in favor of their merchants in regards to customer disputes. I initially provided as much supporting documentation as I could to Discover and they did not request additional information from me. Once the merchants ( a XXXX ) rebuttal was received, Discover sent me a letter indicating that I had 15 days to continue the dispute. I contacted Discover within the mandated 15 days to learn that the only document they were willing to accept was a credit from the merchant. A dispute is created when a merchant is being unreasonable, as in my matter. To require such documentation is absurd. Discover has closed my dispute and refuses to investigate further. Discover is also at fault for not communicating to me that additional information was required at the onset of my dispute. Discover also told me that I should have had the doctors office sign an agreement stating that he would send XXXX the completed form. Is it common for patients to present a contract and request their doctor sign same before each appointment? I think not. This requirement is utterly absurd. The matter at hand is outlined below : 1 ) Crackers cracked an implant crown. I contacted the cracker company, XXXX. 2 ) XXXX instructed me to schedule a XXXX appointment and have the XXXX complete and sign an evaluation form, which XXXX provided in a packet they mailed me. After receiving the form, XXXX would reimburse the dental consultation, and then proceed to investigate the matter to determine whether they would cover the cost to restore my tooth. 3 ) The dental office, XXXX XXXX XXXX, was made aware of what was expected in the consultation before I scheduled the appointment and again when I arrived at the dental office. 4 ) My XXXX sent the XXXX a XXXX and an XXXX, so the dentist had images to complete the required form. 5 ) The consultation took 5 minutes. When I paid for the consultation, I was told the doctor would complete and send the form to XXXX. 6 ) During the following several weeks, I checked with XXXX only to learn each time that the XXXX form had not been received. 7 ) I contacted the doctors office through their website ( copy sent to Discover XX/XX/2018 ) requesting that they send the form to XXXX. The XXXX office would not reply via email. I received a call from office staff who told me that the doctor could not complete the form, as promised. I was yelled at me and hung up on ; all of which can be confirmed by the audio acquired from my answering machine. ( Discover refuses to accept this audio proof and will only accept documentation. ) 8 ) In XX/XX/2018, I requested a copy of the dental report from the consultation ( again through the XXXX website ). I discovered that the XXXX office had blocked the email address I had originally used to contact them, forcing me to use an alternate email address. ( a copy of this request was sent to Discover. ) 9 ) I dont understand the XXXX behavior ; but he is sly. He wont put anything in writing and he has office staff do his dirty work. I never received a written assessment after my consultation, and should this XXXX provide such written assessment as I requested, it will support my claim. 10 ) Since this time, XXXX has dropped my case. The above was communicated to Discover, who refuses to reopen the dispute and further investigate. I sent a copy of the request to Discover and demanded that they continue to investigate. Again, they told me to request a credit from the doctor. Discover refuses to accept my audio proof and now will not accept my attempts to work within their moronic confines and dictates. I detest making such complaints, but I feel it necessary to do so.
Company Response: Closed with explanation

Timely Response

2018-07-04

San Diego, CA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-07-04

El Paso, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX Credit Report is not a Hard Inquiry. I beg to differ. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. You have 11 Inquiries Inquirer Name XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.
Company Response: Closed with explanation

Timely Response

2018-07-04

Grovespring, MO

Trouble using your card

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

Can't use card to make purchases
Complaint: Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.
Company Response: Closed with explanation

Timely Response

2018-07-04

Montevallo, AL

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

2018-07-03

Windsor Castle, PA

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

2018-07-03

San Jacinto, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Discover has called my job multiple times. Starting XX/XX/XXXX.18 until XX/XX/XXXX.18. When i called to tell them to stop because i can not have phone calls coming to my job on XX/XX/XXXX.18. The guy on the phone said that they will keep calling, and to make it stop they need a payment. I explained to him i started a debt management program, and i got behind but i will be dealing with them, and not Discover personally because i have an activate account with them. He then kept trying to set me up with a payment plan with him. When i told him no, he said they have my banking information on file. So i dont know what that was suppose to mean. I then repeated myself, and said i needed the calls to stop because my employer does not allow personal calls, he then said its an automatic system, we can do anything about it. I then told him that there is a way for them to remove my employers number. He asked for my personal cell, which i gave. But i am not sure if he actually did it because he was still trying to sign me up for the program with them. The two people that have called my job are XXXX and XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-03

Madison Heights, MI

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

2018-07-03

Indianapolis, IN

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
Complaint: Discover card someone opened a secured card in my name I never authorized it and they won't remove it
Company Response: Closed with explanation

Timely Response

2018-07-02

Thorntown, IN

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-07-02

KS

Problem with fraud alerts or security freezes

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

Complaint: I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.
Company Response: Closed with explanation

Timely Response

2018-07-01

White Hall, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.
Company Response: Closed with explanation

Timely Response

2018-06-29

Ames, IA

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

2018-06-29

Cocoa, 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
Company Response: Closed with explanation

Timely Response

2018-06-29

Avondale, AZ

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

2018-06-29

Arnold, PA

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

2018-06-29

TX

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: I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
Company Response: Closed with explanation

Timely Response

2018-06-29

Lewisville, TX

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.
Company Response: Closed with explanation

Timely Response

2018-06-29

Atl, GA

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
Company Response: Closed with explanation

Timely Response

2018-06-29

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-06-29

KS

Credit monitoring or identity theft protection services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?
Company Response: Closed with explanation

Timely Response

2018-06-28

Prewitt, NM

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-06-28

Roselle, NJ

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

2018-06-28

WA

Getting a credit card

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

Delay in processing application
Complaint: Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.
Company Response: Closed with explanation

Timely Response