DISCOVER BANK

2018-06-09

Gastonia, NC

Getting a loan

Student loan: Private student loan

Denied loan
Complaint: XX/XX/2018 I was in contact with Discover for a student loan. I did not create an account with their company.
Company Response: Closed with explanation

Timely Response

2018-06-09

TN

Getting a credit card

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

Application denied
Complaint: A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied. See below. XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard. Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.
Company Response: Closed with explanation

Timely Response

2018-06-08

Bronx, 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: To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?
Company Response: Closed with non-monetary relief

Timely Response

2018-06-08

Morgantown, WV

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: Around XX/XX/2018 I received a letter from Discover Card stating that a disputed amount of XXXX from XXXX has been ruled in my favor. A few days later, Discover Card sent me another letter stating that a charge of XXXX was being charged to me from the same company that I had a dispute with for XXXX. I immediately phoned Discover Card and spoke to a supervisor named XXXX and after an hour of trying to get her to understand that the second charge that showed up on another statement was not a new charge but a final payment of the original charge of the vacation that I did not make, book, commit, or reserved, etc but was created for me by XXXX for a total of over 14000.00. It took me an hour for her to stop spouting Discover card policies but to get her to listen to the fact that XXXX broke the payment into two separate transactions because they know how credit card companies policies look at these things. Discover card should have looked at my account in the first place and flagged my account for excessive travel agencies charges that went over my account limit but it was not. Discover card has blocked my account in the past for me being on vacation in the XXXX XXXX area buying tshirts but when an overseas company charges me an outrageous amount by two separate companies that are probably owned by the same corporation Discover card did nothing. In speaking with XXXX after an hour conversation she did say she would dispute the amount and ask for charges which XXXX has never provided them in the first place. Secondly, why would I not pay a small amount of XXXX to XXXX and refute the second charge from the same company of XXXX? I repeatedly told XXXX I did not even know I had a vacation created for me because XXXX did not notify me of airline information, or room info, etc. I received nothing from XXXX only a bill that showed me I had a fraudulent charge on my account. I received a phone call from a representative from XXXX named XXXX that was told to cancel this so called vacation in my name and according to XXXX I purchased travel insurance. So in actually, since I knew nothing about this vacation I was a NO SHOW according to XXXX. Discover if they had flagged my account for possible fraudulent charges I would have known sooner and might not have ended up in this mess. Discover has let me down as a customer with a history of a high FICA score and a high credit balance. Discover if they had taken the time to review my account would have seen that I have never disputed anything but have paid in full and 99 % of the time I was not late. XXXX accused me of deleting emails from XXXX, or even putting them in my junk folder. If I had made this vacation I would have wanted to keep these emails not delete them or junk them. And, 25 days after I spoke with my husband about going to the area and we picked a time we could go on vacation together we made a choice with XXXX that was acceptable to us and our budget. But do to an illness I had to cancel with XXXX who immediatley began to refund my charges. Of which, I had paid Discover for and was being shown as a credit on my account but some person in Discover saw the credit and paid the amount of XXXX which was in dispute. At no time did I get any emails from Discover except for the last dispute I put on the XXXX. I was notified by Discover that it was being disputed. The total I am being charged is over 14000.00. It was broken up into two separate charges on two different billings. Discover considered this as a separate charge which make no sense since I was disputing the original charge of XXXX from XXXX and which was ruled in my favor. If XXXX was ruled in my favor than Discover had to honor the fact that the other amount of XXXX is not a new charge but the second payment charged to my account from XXXX. Discover needs to change it's policies so that they so not find their selves or their customers in this situation again.
Company Response: Closed with explanation

Timely Response

2018-06-07

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

2018-06-07

Carmel, IN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-06-07

Carmel, IN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-06-07

IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.
Company Response: Closed with explanation

Timely Response

2018-06-07

Simi Valley, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Company Response: Closed with explanation

Timely Response

2018-06-07

Rock Cave, WV

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-06-07

Magnolia, TX

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 monetary relief

Timely Response

2018-06-06

Cedar Hills, UT

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 applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.
Company Response: Closed with explanation

Timely Response

2018-06-06

Hiawassee, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-06

Dallas, TX

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

2018-06-06

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: I requested a free copy of my credit report and received it from XXXX XXXX., because I was denied credit from my credit union. What I found was Discover Financial Services has be making 2 inquires a month starting XX/XX/XXXX which has continued until XX/XX/XXXX. I have not authorized any inquires. There should be no companies inquiring into my credit report unless I've submitted an application for credit..The only request I've made for credit was with the XXXX XXXX XXXX XXXX XXXX and that was XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-06

Palm Desert, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2018-06-06

E Hampton, NY

Other features, terms, or problems

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

Problem with cash advances
Company Response: Closed with explanation

Timely Response

2018-06-06

Lewisville, TX

Incorrect information on your report

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

Account status incorrect
Complaint: Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.
Company Response: Closed with explanation

Timely Response

2018-06-06

Phila, 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 non-monetary relief

Timely Response

2018-06-06

Atlanta, GA

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

2018-06-05

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

2018-06-05

Elk Grove Village, IL

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2018-06-05

Itasca, IL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-06-05

Lewisville, TX

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/18 my discover card was reported as lost. Discover closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although discover has sent in an early credit history to XXXX, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Company Response: Closed with explanation

Timely Response

2018-06-05

Simi Valley, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: We wanted a due date changed they never did and put our information on XXXX as a late payment. We have made over 800,00 to this company Discover.
Company Response: Closed with explanation

Timely Response