DISCOVER BANK

2018-05-29

Jacksonville, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: This is my second complaint submitted against XXXX XXXX.They insist on calling me at work. The last phone call was today XX/XX/18 @ XXXX. XXXX is the collectors name. I specifically asked her why she was calling me at work. She said it was one of the contact phone numbers on my account. I told her it was against the Fair Debt Collection Practices Act to call me at work and they could face a {$10000.00} fine for each attempt knowing they are calling my work number. She told me she had never heard of this act before. It's very obvious that this is my place of employment by the way the phone is answered by the receptionist. This must stop. Please help me.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-29

Oxford, GA

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 noticed that there were charges made by my XXXX year old son, on my XXXX XXXX XXXX, I contacted the credit card company and initiated a dispute that the charges were done without my consent. Attached is the initiation email from XXXX. The amount of the charges were around {$1200.00}. The dispute was resolved in my favor and the service rep recommended that I check any other credit cards that might been used with my sons online gaming system ( XXXX and XXXX ). One of the main reasons why the XXXX found in my favor was because, all the gaming systems, XXXX/XXXX, XXXX and XXXX require that a user have a credit card on file. At the time, there was no protection from a child purchasing items without a parent knowing that something was charged to their credit card until the parents credit card statement arrives in the mail. Based on the recommendation, I started to review my DiscoverCard statements and found that my son and his friend ( all about XXXX years ) charged {$1500.00} during the period of XX/XX/XXXX thru XX/XX/XXXX. I immediately contacted the two gaming companies, XXXX and XXXX and was told that since the transactions are more than 6 months old they would not issue a refund. I explained to both companys that I was not aware that the transactions occurred, since I pay the balance in full each month and always run with large balances. one of the game console representatives from XXXX suggested that I contact my credit card company and file a dispute. He said that is another way to get around the 6 month restriction. I further ask why there are/were any mechanisms in place to prevent a child from doing this type of unauthorized purchases. I explained to both to him that if I did not post and credit card on their site, then my son could not play online with his friends. The XXXX representative suggested that I purchase a debit card and that would limit my exposure. I respectfully told that suggestion does not resolve the issue. He indicated that they are working on pin code. I asked him to send me the link so that I can see if I am able to lock down the account. I contacted DiscoverCard where the charges were made and opened a dispute on XX/XX/XXXX. Despite presenting and providing the above information to the dispute department, they indicated that they would not reverse the charges. I appealed the decision to a manager who indicated that he agreed with the prior decision. I explained the issue was further compounded because DiscoverCard sent me two new cards due to their information being compromised on their system. The first notice that I received, via email, from DiscoverCard was on XX/XX/XXXX ( Copy Attached ) in it the statement was included : XXXX. Because your security is important. Your card information might have been part of a data breach that did not involve Discover card systems. To help keep your card information safe, we're sending you a new one. Your new card should arrive in an unmarked envelope within 3-7 days. 2. Breathe easy. As a reminder, you're never responsible for unauthorized purchases on your Discover card. So, you can keep using your current card until your new one arrives. Then, activate and sign your new card right away. 3. We've got you covered. We're monitoring your account 24/7 and we'll contact you if we spot anything unusual. But if you happen to see a purchase you don't recognize, just call XXXX to speak to a U.S.-based Fraud Specialist anytime. Prior to being issued the XXXX new card issuance, I had alerts set up that would have let me know if there was any suspicious charges. As an example : - My wife was in XXXX on a business trip, and I received a text notifying me that someone in XXXX was trying to purchase an item for {$79.00}. I called my wife, confirmed that she was at a department store, trying to purchase a pair of shoes. I responded via text to DiscoverCard a yes that I was aware and have approved the purchase. The transaction was approved on the spot. Which is a feature that I loved about DiscoverCard. I assume that everything that I had in place with my old card would transfer over such as purchases, statements and alert settings. On the credit card replacement, it clearly states that Discover would notify if they : " We've got you covered. We're monitoring your account 24/7 and we'll contact you if we spot anything unusual. '' Furthermore, the email states : " As a reminder, you're never responsible for unauthorized purchases on your Discover card. '' Subsequently, I received another email on XX/XX/XXXX indicating ( Copy Attached ) that my information may have been part of a data breach. The following message was included in the email : Your account information may have been compromised as part of an external data breach. No Discover owned or controlled systems were compromised by this incident. Because your security is important, we're replacing your card ( s ) to help keep your card information safe. You can keep using your current card until your new one arrives in about 3-7 days. Then activate and sign your new card immediately All old card ( s ) on your account will be deactivated once you activate your new one Your old card ( s ) will be automatically deactivated after XX/XX/XXXX. You're never responsible for unauthorized purchases on your DiscoverCard account Again, I assumed that everything was still the same as before. Even though I provided this information including their guarantees, the manager would not overturn the decision and was quite abrupt with me. I then contacted the DiscoverCards Office of Consumer Advocacy around the end of XX/XX/XXXX or perhaps early XXXX and spoke with XXXX XXXX. I provided the history of my dispute to her, including the two email replacement notices along with the guarantees. She in turn indicating that she would call me back within 10 days. After the 10-day period, I did not hear back from her and I called and left her a message to let me know the status of my complaint. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that she has been out of the office and would call me. The following day I responded to her email and reminded her about the multiple replacement cards issued by DiscoverCard and again reminded her about the guarantees. I received a call from XXXX XXXX, indicating that she could not get management to agree to reverse the charges and credit my account. She asked if I could prove that the other credit card company indeed issued a credit and could I provide her with all the documentation. I provided the documentation on XX/XX/XXXX. Subsequently, On XX/XX/XXXX XXXX XXXX, called an informed me that she was not able to reverse the decision, despite the additional information. During our conversation, she concluded that perhaps the best way to address this issue if to file a fraud claim That same day, I received an email from XXXX XXXX recommending that I file a fraud claim. Therefore, I contacted the fraud department on XX/XX/XXXX, and explained the whole situation to the fraud specialist. The specialist indicated that she did not believe this was fraud because it was my son and that I had allowed the card to be posted. I asked that she open the case and that their customer Advocacy representative recommended that I file the claim. The fraud specialist indicated that she is not part of their department and can not speak for the fraud department. Subsequently, the fraud unit declined my claim because I posted the credit card on the game site. I have repeatedly, requested that they provide me with an explanation that states if a person post there card to any site, all unauthorized transactions will not be covered. The fraud specialist indicated that in those cases they would cover the charges. I asked respectfully, why is this any different? I have not received and explanation just a denial. Even though my XXXX year old son or his friends made the charges that I did not authorize, i have been unsuccessful in getting them to reverse the charges. On a personal note, my wife and I have been with Discover since the early eighties and have run on an annual basis through the DiscoverCard over {$70000.00} in annual charges. We both have FICO scores around XXXX ( perfect being XXXX ). We believe in pay our obligations.
Company Response: Closed with explanation

Timely Response

2018-05-29

Soddy Daisy, TN

Closing your account

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

Company closed your account
Complaint: On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way
Company Response: Closed with explanation

Timely Response

2018-05-29

Coalinga, CA

Problem when making payments

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

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2018-05-28

Lancaster, NY

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

2018-05-28

Atlanta, GA

Trouble using your card

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

Can't use card to make purchases
Complaint: For a few months in XXXX I struggled to pay my discover card. In XX/XX/XXXX, I enrolled in Discover 's payment plan to bring my account up-to-date. Since then, I have now brought account current. However, my card was suspended due to the missed payments in XXXX. I understand that it's important for organizations like Discover to have trustworthy clients. My personal hardships caused me to miss payments and tarnish my previously stellar relationship with the company. I'm asking for a second chance and have my card/account unsuspended so I may continue to develop my relationship with the company.
Company Response: Closed with explanation

Timely Response

2018-05-28

Seattle, WA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Discover took over student loans and last month, switched my repayment options, without warning, to lower repayment speed. This is my chat with them : XXXX at XXXX, XX/XX/XXXX : XX/XX/1983 XXXX at XXXX, XX/XX/XXXX : Thank you for verifying that information with me today. I do show the amount you were paying monthly has been lowered. Recently we went transferred to a new servicing system. XXXX at XXXX, XX/XX/XXXX : how can that be? a bank can not simply re-do my payments I've schedule XXXX at XXXX, XX/XX/XXXX : *scheduled XXXX XXXX XXXX, XX/XX/XXXX : Since the transfer the system has been reviewing accounts, and saw that your account would be paid off sooner than the agreed upon term, so it lowered down. XXXX at XXXX, XX/XX/XXXX : iwthout asking? XXXX at XXXX, XX/XX/XXXX : and what is the agreed-upon term? XXXX at XXXX, XX/XX/XXXX : It was an auto adjust not a planned adjustment and we apologize for any inconvenience that this may cause. We do not have any prepayment penalties for our loans. Allow me a few moments to review each of your loan terms.
Company Response: Closed with explanation

Timely Response

2018-05-27

Tarzana, CA

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Company Response: Closed with non-monetary relief

Timely Response

2018-05-27

Hiawassee, 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

2018-05-26

Mabank, TX

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: There was a discover card was open in my name account number ending XXXX and I never applied for it and nor had the card in my pocket or anywhere and I called XXXX and open up a case and they were rude to me and I was upset that I had to change my number and they holding me responsible for XXXX bill that I never do and its still on my credit report ... and they closed my case and denied my request to reopen it ... .. and holding me responsible for this card that Im not interested in
Company Response: Closed with explanation

Timely Response

2018-05-25

San Diego, CA

Applying for a mortgage or refinancing an existing mortgage

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

Complaint: The lender obtained an invalid and unreliable " drive-by '' appraisal. I submitted my dispute in line with the request for appraisal reevaluation with information that was ignored and not included in the appraisal information, including but not limited to exterior improvements including windows and photovoltaic systems. The `` drive by '' inspection involved old photos taken from prior MLS online photos and no actual drive by inspection was completed. The Appraisal was disputed with accurate information of similar property types including recent sales of actual comparable properties within 60 days. Discover advised on a daily basis for more than 3 weeks that their service and processing centers were so bombarded with applications that processing and underwriting have been severely delayed. when the final appraisal dispute finally came back, I was advised that Discover 's own managers who specifically handle appraisal disputes had made the decision internally to reject relevant data. Additionally, in good faith, a separate and independent full appraisal was completed and they advised that that was not taken into consideration, even though the dispute was presented in compliance with the requirements of the Dodd Frank Act and Appraiser Independence Requirements. Discover, by means of its employees and training practices has proven itself not to be in compliance with the Dodd Frank Act and as a result, my application has caused my credit score to be affected as I agreed in good faith for them too pull my credit.
Company Response: Closed with explanation

Timely Response

2018-05-25

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: We wrote to you very recently regarding a defective item charged on our credit card which the merchant has not in good will tried to resolve for us. Discover also failed to resolve this issue for us, but also sadly is failing to HEAR us. We are not disputing the validity of the charge, we are disputing the item or product sold to us as defective. The item is a body kit for a 2008 XXXX XXXX XXXX. The body kit was not immediately installed because it fell to the very bottom of what we were prioritizing at the time : Moving from XXXX XXXX XXXX to XXXX XXXX, my husband 's status as a XXXX Veteran, my ten ( 10 ) month period of XXXX due to a severe injury, the sudden and unexpected death of our beloved dog and faithful protector, XXXX, who supported my husband thru his XXXX for over eleven ( 11 ) years, and many other things that took precedence at the time. In the interim, the merchant issued a credit of {$100.00} because the tail lights were never delivered to us as they had been discontinued. When we finally had the time, the space, the health and the money to have the kit installed by our body shop, ( which may have occurred after a respite of many months ), we were advised by our body shop that the kit sold to us by this merchant did NOT fit. The body shop gave us an estimate for their work and clearly noted that this kit does not fit, and as such, was defective and not usable. It appears Discover 's basis for not mediating on our behalf and simply taking the merchant 's word, or testimony, ( though I would like to point out that no one from Discover has ever spoken to either of us thus far, to take our statement of facts ), Discover used as a basis to side with this merchant, the fact that we waited too long to install the kit and dispute the item. For the many reasons noted above, the installation of a vehicle body kit was not a priority at the time. But regardless, the fact we waited to have the kit installed is irrelevant and should not be a basis to disprove our case and side with the merchant. It also appears that Discover sided with the merchant on the basis that, as they contend, the merchant issued a {$100.00} credit to us in XXXX. The merchant did issue a credit, which we did not remotely remember, hence, no reference was made about it. However, the fact that a credit was issued by the merchant, because they failed to deliver the tail lights which we had paid upfront, does not absolve them, nor does it resolve this issue, nor does it discredit or weaken our position. The reason the merchant issued a credit of {$100.00} in XXXX was because the tail lights were never delivered as they had been discontinued. The crux of our complaint is that the item, in its entirety, was sold to us as a defective item. It does not fit our 2008 XXXX XXXX XXXX. We implore CFPB, Discover and specifically, Senior Associate, XXXX XXXX XXXX, from the Executive Office of Customer Advocacy, to please, as his Office indicates, please advocate on our behalf. This merchant is not acting in goodwill ; the merchant, whom we can only reach by phone, flatly refused to take the item. The item, which is still new and unused, is defective,
Company Response: Closed with explanation

Timely Response

2018-05-25

Hinsdale, IL

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: A California merchant contacted me in XX/XX/XXXXseeking business of settling a debt for me. I refused. It made unsolicited calls a year later, in XX/XX/XXXX. I took the bait this time, but hesitantly. I paid it {$3500.00} via a Discover Card charge ( attached ). As stated on the charge slip, the funds were to be held in the attorney escrow account until I authorize it released. I did release it a few month later. I gave them later another Discover Card authorization, this time they were not collect the money until certain conditions set and judged by me were met. These conditions were written on the credit authorization I signed. It is also attached ( dated XX/XX/XXXX). The company without my permission and without meeting those conditions charged my credit card for {$3900.00}. I disputed this unauthorized charge of {$3900.00} with Discover based on the following : 1- I have been with Discover Card for 32 years. I have ALWAYS paid my bills on time. I have never, not even once in 30 years, been late with my payments. So, I am a credible customer. 2- The authorization of XX/XX/XXXX, had stipulations, namely : " Full payment of the balance, to be charged after ( 1 ) the successful acceptance and execution of the settlement agreement on the second mortgage BY ALL PARTIES, and ( 2 ) the release of the 2nd Mortgage Lien. '' The firm did not fulfill these terms but used the authorization against my advice. I objected but the firm would not refund the money. I contacted Discover card and disputed it. 3- I did not know much about the merchant, XXXX XXXX XXXX ATTORNEY. Later I learned that both the public and the regulators have had a lot of problems with it. For example, the BXXXX XXXX XXXX rates this company F, its lowest. Here is the link : XXXX XXXX XXXXXXXX. The firm is dysfunctional and it does not abide by its agreement and uses intimidation. 4- To prove that the charge is valid, Discover Card forwarded me a letter from the firm, datedXX/XX/XXXX, signed by a XXXX XXXX XXXX stating that I was her client. I was not and the State of California confirms that she is NOT an attorney. 5- Discover Card forwarded the contract between me and the firm. Discover Card does not appear anywhere in the contract '' and it is not a party to it. 6- To prove that the charge is valid, Discover Card used the contract but ignored its provision for settling disputes : Article 9 say the matter shall go to Arbitration. Discover Card acted as an Arbitrator when in fact it is not, and I never appointed it to be an Arbitrator. 6- After several rounds of contacting and disputing this charge with Discover in XX/XX/XXXX and XX/XX/XXXX, Discover Card without my authorization or consent acting as the judge and an arbitrator in this case, gave the money to the company against my objections. 6- I wrote to Discover Card and Discover Card understood that I had put the stipulations in the authorization form, and that only I, as the signer, can say whether or not the conditions are met, and that I did tell Discover Card the conditions were not met. I need Discover Card to refund me {$3900.00} plus interest and a letter of apology for usurping my rights, violating FCRA, RESPA an FDCPA rules, acting as a collector, court of law, an arbitrator all at the same time when in fact its sole role was a card issuer and should have heeded my advice and not engage in improper and illegal acts of settling disputes when it was not asked nor was it authorized or chartered to do so.
Company Response: Closed with explanation

Timely Response

2018-05-25

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been going back and forth with Discover Student Loans for seven months and it's exhausting. I originally applied for its hardship assistance program in XX/XX/XXXX. Despite showing I had no income at the time, I was denied. I immediately re-applied with additional documents and was notified I would receive a decision within 10 business days. That time frame past and I'd still not received a response. When I called in XX/XX/XXXX, roughly 30 days after submitting my second application, a support rep initially told me they were still waiting for me to submit paperwork. This couldn't have been further from the truth, and after insisting she check, she verified I had submitted everything required, well within the timeline required. This representative put me on hold while conferring with her " back office team '' and after more than an hour on the phone together, told me I was immediately approved for the hardship program and my account would be updated to reflect as such, as well as being current on payments. I still continued to receive daily calls and letters than my account was past due for the original payment amount, despite making consistent payments of {$50.00} per the program guideline. I spoke to numerous representatives at least weekly to try to resolve the issue. I was told Discover was merging its system with XXXX XXXX, it's previous processor, and that was the root of the issue. The merger was complete at the end of XX/XX/XXXX and yet this problem has yet to be resolved. One particular representative assured me they would correct my account erroneously being reported 60 days past due and that shed also make a note for the reporting department to stop the report for 90 days past due, as I had been making timely $ XXXX/month payments per the program. Neither of those things happened, and my and my co-signer 's credit were negatively impact. It took another month of phone calls and talking to countless reps and supervisors to finally have that resolved and to receive a letter confirming the correction. When I finally received a letter confirming my enrollment in the program, my monthly payment went up by {$14.00} from the original {$170.00}. I didn't understand how this was possible, as it completely defeats the purpose of a hardship program. I called and was yet again informed it was a system error but they would send it to the person who handles these things and was assured this would be fixed. It still has not, and to this day I've still not received any sort of documentation confirming my enrollment and reduced payment of {$50.00} through XX/XX/XXXX. I've repeatedly asked to speak to the back office team that handles the program but am never allowed- they apparently do not accept calls from their borrowers. I repeatedly ask when the " system error '' will be fixed and am told " up to 30 days. '' 30 days has come and gone 180 days ago. No one will tell me what the error is or why if I am approved for the program and it's reflected in Discover 's notes it's not officially being reflected on my account. I initially spoke to a supervisor named XXXX ( ID XXXX ) roughly 3 weeks ago. While he could not give me a definitive resolution, he told me to only speak to him about the matter going forward. He advised that he would have to do some research and would call me back a week later. Unsurprisingly, he never did as that has been the trend with all customer service reps and supervisors at Discover. When I called him 10 days after our initial conversation, he essentially passed the buck to someone else, saying she, not he, would be able to handle my case. No resolution was achieved. I called to speak to XXXX ( ID XXXX ) XX/XX/XXXX but was told she's in a meeting and could call me back that day. She never did. When I called on XX/XX/XXXX I asked to speak to a supervisors superior, as so far everyone at his level has been unable to assist me. Initially, he refused, telling me the only person that could handle my case is XXXX and I could not speak to anyone else. I insisted on speaking to higher management, to which he then informed me his boss was " in a meeting '' but could call me back. I asked who it was and for her ID, his initial response was " we don't have that information. '' I found this very hard to believe since I had names and IDs of his other colleagues and that information was willingly provided to me. He finally told me it was XXXX ( XXXX ). I never received a call from her. I've never been allowed to speak to any management besides immediate supervisors of the support reps who take initial calls. However, XXXX finally called me on XX/XX/XXXX and assured me she was working hard and reaching out to headquarters to resolve the issue with my account- in fact she was going to talk to them daily. It's now 10 days later, I've not heard from her or received any correspondence/letter that the issue has been fixed. I still continue to receive calls and letters that my account is past due. I'm once again at risk of having an erroneous report on my credit, which is detrimental to me as a small business owner and my ability to secure a new apartment in the coming months. Frankly, I do not believe this is a system error at this point. This is more of a systemic bullying tactic to wear borrowers down and force them to give in and pay. I have zero trust in this company from the severe mismanagement and lack of transparency. It makes me absolutely sick to think I'm chained to it until my loans are repaid.
Company Response: Closed with explanation

Timely Response

2018-05-25

Rncho Domingz, CA

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
Complaint: Discover has denied graduating me from a Discover Secured credit card to an Unsecured Discover card, after, my 6-7 month " probationary '' period. During the 6-7 months that I've had my secured credit card, I have never been late with my payments nor doI have ANY late payments on my credit report. When I called Discover to inquire about graduating from secured to unsecured credit card, they claim that XXXX XXXX XXXX reported that I have a late payment, which is UNTRUE. I personally, called XXXX and was told that they did not report ANY late payments to Discover. I then, called Discover back, to inform them about what I was told, they conveniently said that XXXX reported the late payment. I Personally called XXXX and was told that they DID NOT report ANY late payments to Discover. My conclusion, Discover has manufactured issues to renege on their promise to graduate me to a unsecured credit card, after I adhered to their requirements of ; PAYING ON TIME, NOT MISSING A PAYMENT and MAINTAIN A BALANCE. They have yet to graduate my secured credit card, even though I informed Discover that the credit bureaus, they claimed reported " late payments, '' said they DID NOT report ANY LATE PAYMENTS to Discover.
Company Response: Closed with explanation

Timely Response

2018-05-24

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with non-monetary relief

Timely Response

2018-05-24

Chicago, IL

Struggling to pay your loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.
Company Response: Closed with explanation

Timely Response

2018-05-24

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-05-24

Atl, GA

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

2018-05-24

Spring Hill, FL

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: I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it. The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-24

Scottsdale, AZ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: XX/XX/XXXX I opened a secured card with Discover Card Services by depositing {$200.00} with Discover. During XXXX XX/XX/XXXX or XXXX XX/XX/XXXXI contacted Discover and asked when would the security deposit be returned, because I wanted to increase my limit which would require additional funds deposited with Discover. I was told my account history would be reviewed after 7 billing cycles after which, my account would be converted to a regular card and my security deposit would be returned 10 days later. In addition, I would not be allowed to deposit addition funds to increase my limit because my account would no longer be a secured card account. At that point I decided to increase my limit by depositing the remaining funds to increase my limit to the {$2500.00} maximum. In XX/XX/XXXX, I had not received my security deposit which should have been returned over 30 days prior. I contacted Discover and was told that a review was done and my card was not converted and would be reviewed every month until it is. I was also told that I had a 30 day late on my account which was the reason the account was not converted. I had never had a 30 day late. I contacted Discover today after nearly a year ; and I was told that my account has not converted over as of yet and it would continued to be reviewed. At this point I feel Discover baited me into depositing funds into a security account and being given a time frame to return those funds ; now that time frame is to the discretion of Discover and no one can tell me when that will be. So instead of actually utilizing my funds as collateral for a predetermined time frame, 6 months, which is reasonable, I am being forced to essentially pay Discover monthly interest for borrowing my own funds, which they have control over..
Company Response: Closed with explanation

Timely Response

2018-05-24

Scottsdale, AZ

Fees or interest

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

Charged too much interest
Company Response: Closed with monetary relief

Timely Response

2018-05-24

Aurora, IL

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response

2018-05-24

Queens, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I was charged for balance transfer fee that was rejected by the discover credit card company. The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. I was promised adjustment to the account but the issue was never resolved. I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. Hopefully i can get help with your assistance. Sincerely yours, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-05-23

Oxford, GA

Fees or interest

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

Charged too much interest
Complaint: Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. Best regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response