DISCOVER BANK

2018-06-19

Butte, MT

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 monetary relief

Timely Response

2018-06-19

Superstition Mtn, AZ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief

Timely Response

2018-06-19

Lenzburg, 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

2018-06-19

Lenzburg, 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

2018-06-19

Orion Twp, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out
Company Response: Closed with explanation

Timely Response

2018-06-19

Sarasota, FL

Incorrect information on your report

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

Account status incorrect
Complaint: My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX
Company Response: Closed with explanation

Timely Response

2018-06-19

Carmel, CA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Complaint: Debt was defaulted in XX/XX/XXXX. Discover continues to fraudulently report that I made payments until XX/XX/XXXX, thereby re-aging the accounts and keeping them on my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-19

Ridley Park, PA

Incorrect information on your report

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

Account information incorrect
Complaint: A negative charged off account is on my report, i do not recall borrowing from this creditor.
Company Response: Closed with explanation

Timely Response

2018-06-18

La Pine, OR

Credit monitoring or identity theft protection services

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

Problem with product or service terms changing
Complaint: XXXX XXXX XXXX 2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! Discover Bank fraudulent account XXXX XXXX XXXX Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Company Response: Closed with explanation

Timely Response

2018-06-18

La Pine, OR

Credit monitoring or identity theft protection services

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

Problem with product or service terms changing
Complaint: XXXX XXXX XXXX 2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! Discover Bank fraudulent account XXXX XXXX XXXX Fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Company Response: Closed with explanation

Timely Response

2018-06-18

Antonia, MO

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with non-monetary relief

Timely Response

2018-06-17

Effingham, KS

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 the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
Company Response: Closed with explanation

Timely Response

2018-06-17

Orion Twp, MI

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: Discover issued me a Credit Card account with an initial {$8000.00} credit limit. I was the victim of Identity Theft resulting in unauthorized charges on my account. I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-16

Topeka, KS

Incorrect information on your report

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

Information belongs to someone else
Complaint: I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.
Company Response: Closed with explanation

Timely Response

2018-06-16

Mansfield, MA

Incorrect information on your report

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

Account information incorrect
Complaint: Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX which they sent to discover and still did not change the late times on the report.
Company Response: Closed with explanation

Timely Response

2018-06-16

Anaheim, 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: I CONTINUE TO DISPUTE THE {$2200.00} CHARGED BY XXXX XXXX XXXX. THIS MERCHANT REFUSES TO PROVIDE A CREDIT FOR FAULTY AND DEFECTIVE MERCHANDISE WHICH WE HAVE ALREADY ATTEMPTED TO RETURN. WE WILL NOT PAY FOR DEFECTIVE MERCHANDISE. YOUR RESPONDENT, SENIOR ASSOCIATE XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY HAS, 1 ) IGNORED TWO OR THREE PHONES CALLS THUS FAR, 2 ) HAS SENT A BOILER PLATE RESPONSE WHICH DID NOT ADDRESS ANY OR OUR CONTINUED ISSUES UP FOR DISPUTE. 3 ) HE HAS BEEN DISMISSIVE AND INDIFFERENT AND FRANKLY, RUDE AND UNCARING. INCIDENTALLY, AS RECENTLY AS TWO DAYS AGO, I CALLED HIM BACK AND HIS RECORDED MESSAGE STILL SAYS HE IS OUT OF THE OFFICE AND WILL RETURN ON XX/XX/2018. TODAY IS XX/XX/2018 AND HAVING SOMEONE FROM YOUR EXECUTIVE OFFICE NOT HAVE THE COURTESY AND PROFESSIONALISM TO : 1 ) NOT UPDATE HIS RECORDED VOICEMAIL MESSAGE, 2 ) NOT RETURN PHONE CALLS, 3 ) NOT ADDRESS THE CONTINUED DISPUTE AND NOT REVIEW AND INVESTIGATE THIS ISSUE FULLY, PROVIDING NO OBJECTIVE REVIEW THE FACTS, AND 4 ) ARBITRARILY SIDE WITH A ROGUE MERCHANT WHO FEELS THEY ARE ABOVE THE LAW AND CAN REFUSE THE RETURN, IS DISTURBING. WE CONTINUE TO DISPUTE THE {$2200.00} CHARGED BY XXXX XXXX XXXX. THIS MERCHANT REFUSES TO PROVIDE A CREDIT FOR FAULTY AND DEFECTIVE MERCHANDISE WHICH WE HAVE ALREADY ATTEMPTED TO RETURN. WE WILL NOT PAY FOR DEFECTIVE MERCHANDISE! HAVING SOMEONE FROM YOUR EXECUTIVE OFFICE NOT HAVE THE COURTESY AND PROFESSIONALISM TO NOT ONLY NOT RETURN PHONE CALLS, NOT ADDRESS THE CONTINUED DISPUTE AND REVIEW AND INVESTIGATE THIS ISSUE FULLY AND OBJECTIVELY REVIEW FACTS, AND ARBITRARILY SIDE WITH A ROGUE MERCHANT WHO FEELS THEY ARE ABOVE THE LAW AND WHO REFUSE TO ALLOW THE CUSTOMER ( US ) TO RETURN DEFECTIVE MERCHANDISE, IS INEXCUSABLE. AND FOR XXXX XXXX XXXX TO NOT HAVE THE COURTESY AND PROFESSIONALISM TO TAKE THE TIME TO UPDATE HIS RECORDED GREETING IS VERY TELLING. XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY UNFAIRLY SIDED WITH THE MERCHANT BASED ON THE FACT THAT THE MERCHANT VOLUNTARILY ISSUED A CREDIT OF {$100.00} BECAUSE THEY HAD CHARGED US FOR HEADLIGHTS WHICH WERE NEVER DELIVERED, DOES NOT ABSOLVE THEM AND CHANGE THE FACT THAT {$2200.00} WAS CHARGED ON OUR DISCOVER CARD FOR FAULTY MERCHANDISE. XXXX XXXX XXXX ALSO SIDED WITH THE MERCHANT BECAUSE WE " WAITED '' TO REPORT THIS. THE REASONS WE WAITED HAVE BEEN OUTLINED IN OUR PREVIOUS EMAIL ; BETWEEN HAVING OT DEAL WITH ISSUES RELATED TO : 1 ) MY HUSBAND 'S MILITARY XXXX, 2 ) HIS XXXX, 3 ) RELOCATION OF OUR HOME 4 ) THE DEATH OF MY HUSBAND 'S SERVICE COMPANION, AND MANY OTHER ISSUES ( PLEASE KNOW MY HUSBAND IS AT ALMOST XXXX % VA XXXX DUE TO HIS DUTY PERFORMED IN THE DEFENSE OF OUR COUNTRY ) .MANY OTHER LIFE ISSUES WARRANTED OUR FIRST PRIORITIES, AND GOING TO THE BODY SHOP TO HAVE THIS DEFECTIVE KIT INSTALLED BY OUR BODY SHOP WAS NOT FIRST ON OUR PRIORITY LIST AND SHOULD NOT BE HELD AGAINST US , THOUGH XXXX XXXX XXXX XXXX HAS CHOSEN TO DO AS THAT WAS PART OF HIS RESPONSE IN SUPPORT OF THE MERCHANT. WE ARE YOUR CUSTOMERS, NOT THE MERCHANT ; THAT ALSO IS VERY TELLING AND DISTURBING. HOW DOES A MEMBER OF YOUR EXECUTIVE " CUSTOMER ADVOCACY '' TEAM IGNORE PHONE CALLS AND FAIL TO PERFORM A THOROUGH, FAIR, OBJECTIVE, REAL, AND LEGITIMATE INVESTIGATION INTO THIS ISSUE AND FAIL TO PROVIDE THE MOST MINIMAL ASSISTANCE TO YOUR CUSTOMERS FOR THE ACTION OF A ROGUE MERCHANT WHO HAS REFUSED TO ACCEPT THE DEFECTIVE ITEM FOR RETURN AND WHO HAS REFUSED TO PROVIDE A CREDIT FOR SAID ITEM? I WANT THIS ISSUE ESCALATED AS I HAVE REQUESTED XXXX XXXX XXXX FROM THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY TO DO MULTIPLE TIMES. HE HAS UNFAIRLY SIDED WITH THE MERCHANT BASED ON WHAT THE MERCHANT HAS TOLD HIM. HE HAS NEVER ONCE HEARD OUR SIDE. A CREDIT OF {$100.00} BECAUSE THE MERCHANT CHARGED US FOR HEADLIGHTS WHICH THEY NEVER DELIVERED DOES NOT ABSOLVE THEM FROM THE FACT THEY SOLD US A DEFECTIVE ITEM. WE ARE SEEKING FULL REIMBURSEMENT OF THE {$2200.00} LESS THE {$100.00} THAT THIS MERCHANT HAS FOR ALL INTENSIVE PURPOSES " STOLEN FROM US '' TO BE CREDITED AS THE ITEM IS DEFECTIVE, AND AS SUCH, NEW AND UNUSED AND WE HAVE CONTACTED THE MERCHANT SO WE CAN RETURN THE ITEM, AND THE MERCHANT HAS REFUSED TO ACCEPT THE RETURN OF THE DEFECTIVE, UNUSED AND UNUSABLE ITEM PURCHASED. ESCALATE THIS ISSUE OUT OF XXXX XXXX XXXX HANDS AND INTO THE HANDS OF SOMEONE FROM DISCOVER 'S " CUSTOMER ADVOCACY '' TEAM WHO TRULY TAKES THAT TITLE LITERALLY AND FIGURATIVELY. WE CONTINUE TO BE TREATED IN AN UNJUST AND UNFAIR MANNER BY DISCOVER AND THIS MERCHANT, AND IT APPEARS, YOU, CFPB HAS DONE NOTHING MORE THAN FORWARD OUR DISPUTE TO THEM FOR THEIR RESPONSE. ARE EITHER DISCOVER AND CFPB TRULY " ADVOCATING '' FOR YOUR CUSTOMERS, CONSUMERS AND TAX PAYERS? IF YOU ARE, SHOW IT WITH YOUR ACTIONS AND HELP US, TRULY HELP RECUPERATE THE MONEY TAKEN FROM US BY THIS MERCHANT VIA DISCOVER, WHO IS BEING COMPLICIT WITH THIS MERCHANT AT THIS POINT. THANK YOU
Company Response: Closed with explanation

Timely Response

2018-06-16

Arnett, OK

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

2018-06-16

Arnett, OK

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

2018-06-15

Tomah, WI