DISCOVER BANK

2018-05-19

Brockton, MA

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

2018-05-19

VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XX/XX/XXXX I contacted Discover after getting a bill for {$3500.00} charged to a new account, Discover never contacted me about the disputed charge that is UNAUTHORIZED. A lawyer for Discover harassed me on the telephone, refused to identify their law firm as a collection representative violating my rights under FDCPA. Their lawsuit was withdrawn due to rules of evidence and a right to litigate the account. ( I was told in writing that a summons could not be served, another lie ). XX/XX/XXXX, I was denied credit because this Discover account and one other credit card was maxed out and charged off and reporting on my credit file as derogatory. None of these charges were from the use of the account and it puzzles me how the high balance is reported as exceeding eight thousand dollars and I never used this account to purchase any goods or services. XX/XX/XXXX, I sent Discover a settlement offer delivered by XXXX and it was never answered. A second offer was mailed on XX/XX/XXXX XXXX, both settlement offers include a proposed offer to pay the account in full upon assurance from Discover to send me the Instrument of Indebtness in immediate exchange for payment. Discover never responded to my offer and refused my payment of this account forever. I do not admit this is my debt but made a good faith offer to remove this from my credit report as delinquent. XX/XX/XXXX, I wrote XXXX XXXX, vice president of customer service with a letter to investigate this account under the provisions of FACTA because the credit bureaus report this account is verified as accurate and refuse to produce any documents that indicate this is my account and the charges were ever authorized. Discover has never sent me any document bearing my signature or any other paper as proof of verification as indicated by XXXX XXXX XXXX ( a sworn statement, deposition, a contract, charge slips ). XX/XX/XXXX, I mailed a letter of Identity Theft to the Discover Fraud department located in Utah. The envelope was never returned to me and I am unaware of any communication by Discover to notify the credit bureaus the account is disputed as Identity Theft and subject to an extended fraud alert. XX/XX/XXXX, I wrote Discover a second Validation letter, mailed to XXXX Delaware asking for full accounting, all instruments, payments, charges made, copies of charge slips, and all documents that can prove indebtness. Discover responded that this investigation has already been conducted and refused to provide any additional information per my written request. XX/XX/XXXX, I sent Discover a second notice of Identity Theft via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and once again, Discover has not sent me any mail as acknowledgement and to my knowledge has not contacted the credit reporting agencies to give notice of the fraud reported by a consumer. XX/XX/XXXX, I mailed a copy of the Identity Theft letter dated XX/XX/XXXX to XXXX and their dispute results indicate the Discover account # XXXX is verified as accurate and some other updated information ( very unclear of what is updated ). There is also a note that says DISCOVER DOES NOT KNOW HOW TO CONTACT ME TO DISCUSS THIS MATTER DIRECTLY. This is just an excuse because I have written Discover, called them on the telephone and asked Discover to send me proper documents that can verify any obligation to pay the alleged debt reported as accurate. Discover refuses to produce any document and " Silence is Acquiescence '' appears to be their answer to the alleged proof of debt. A Federal Trade Commission affidavit was mailed to XXXX, XXXX and XXXX credit Reporting Agencies indicating This account with Discover is the result of someone misusing credit card accounts in my name and instructed to block credit reporting under FCRA section 605B. I have learned from Discover that factual documents do not exist and a powerful financial entity can argue any consumer is responsible for their own financial gain. CRA 's pass on the same information and place the burden of proof on a consumer due to politicking and it's just unfair for a consumer to endure such bad faith operations by a financial giant.
Company Response: Closed with explanation

Timely Response

2018-05-19

Aurora, IL

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
Company Response: Closed with non-monetary relief

Timely Response

2018-05-18

Phila, PA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2018-05-18

Pompton Junction, NJ

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: On XX/XX/XXXX I submitted to Discover Bank via a secure upload on their web site a two page letter, a two page attachment, and eight exhibits documenting that they, as IRA Trustee, had in their possession Traditional IRAs that were commingled with Roth IRAs, in violation of Federal Law, specifically Title 26 of the Code of Federal Regulations. That letter and attachment is reproduced here without account numbers and other personal information : XX/XX/XXXX Attention : IRA Department XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX Phone : XXXX RE : Request for Audit of Discover Bank IRA Account XXXX and Correction of Mistake Regarding Comingling of Roth and Traditional IRA Funds by Former IRA Trustee Dear Sir/Madam : As Discover Bank is well aware, I have a considerable funds on deposit because of its dedication to service and presumably its conformance with the law particularly regarding fiduciary duties. That is why I anticipate full cooperation with regard to the following matter : In XX/XX/XXXX, my XXXX Roth and traditional IRAs were transferred to XXXX XXXX, which made a bookkeeping error and labeled all transferred funds as traditional IRAs regardless of some of them being Roth IRAs. In XX/XX/XXXX, these funds were transferred to XXXX XXXX and comingled into one account. Eventually these funds were transferred to Discover Bank IRA account XXXX. Recently I became aware that trustees are not allowed to commingle Roth and Traditional IRAs and I am putting you on notice that an audit on my IRA account XXXX is necessary to monitor for and to reverse comingling of Roth and traditional IRA funds in violation of Federal Law. Your responsibility as trustee in this regard is specified in the Code of Federal Regulations, Title 26 1-408-2 in which it is stated in part under subsection ( iii ) Audits ( A ) At least once during each period of 12 months, the applicant will cause detailed audits of the fiduciary books and records to be made by a qualified public accountant. At that time, the applicant will ascertain whether the fiduciary accounts have been administered in accordance with law, this paragraph, and sound fiduciary principles. The audits shall be conducted in accordance with generally accepted auditing standards, and shall involve whatever tests of the fiduciary books and records of the applicant are considered necessary by the qualified public accountant And in which it is stated under subsection ( vii ) Books and records : ( A ) The applicant must keep its fiduciary records separate and distinct from other records. All fiduciary records must be so kept and retained for as long as the contents thereof may become material in the administration of any internal revenue law. The fiduciary records must contain full information relative to each account. And in which it is stated under subsection ( 5 ) Prohibition against commingling : ( i ) The assets of the trust must not be commingled with other property except in a common trust fund or common investment fund. Please confirm in writing within 30 days that 1. You have verified that comingling or Roth and traditional IRA funds did occur ; 2. These comingled funds were transferred and presently exist in Discover Bank IRA account XXXX ; and 3. You will properly segregate the comingled traditional and Roth funds into separate accounts in conformance with IRS regulations. To aid you in above endeavor I am supplying you with Attachment A, which is a tracing from my personal financial records of my Roth and Traditional IRA funds from XX/XX/XXXX, with XXXX as Trustee, to the present, with Discover Bank as Trustee. This attachment shows that Roth IRA funds were mislabeled as traditional IRA funds by XXXX XXXX in year XX/XX/XXXX and that they were subsequently comingled by XXXX XXXX in XX/XX/XXXX. It also shows that these funds eventually became part of my IRA portfolio with Discover Bank as Trustee. Thank you in advance for your anticipated prompt cooperation with the above requests. Very Truly Yours, XXXX ATTACHMENT A a. XXXX XXXX Roth IRA Accounts XXXX XXXX XXXX, both of retirement ID # XXXX and totaling {$4400.00} ( Exhibit 1 ), were transferred to XXXX XXXX Account XXXX in year XX/XX/XXXX. XXXX XXXX sent me a XX/XX/XXXX dated letter, certificate of deposit receipts, and three XX/XX/XXXX quarterly statements, all indicating that these funds were invested as a traditional IRA ( Exhibit 2 ) in spite of my indicating on my IRA Transfer request form that funds were coming from a Roth IRA at XXXX XXXX ( Exhibit 3 ). XXXX quarterly statements at XXXX XXXX indicate that there was no recharacterization of the funds in that transferred IRA ( Exhibit 2 ). Therefore, XXXX XXXX mislabeled the Roth IRA as a traditional IRA. b. In the fall of XX/XX/XXXX I made application with XXXX XXXX to effect a rollover from XXXX XXXX into XXXX Traditional IRA Account XXXX as follows : 1. ) {$4900.00} from XXXX XXXX account XXXX was deposited on XX/XX/XXXX ; and 2. ) {$29000.00} from XXXX traditional IRA account XXXX was deposited on XX/XX/XXXX. Relevant documentation is shown in Exhibit 4. c. In the fall of XXXX I effected an IRA rollover from XXXX XXXX to XXXX XXXX as follows : : {$39000.00} from XXXX XXXX Account XXXX was rolled over into XXXX XXXX account XXXX. Relevant documentation is shown in Exhibit 5. d. In the spring of XX/XX/XXXX I effected an IRA rollover from XXXX XXXX and XXXX XXXX to XXXX XXXX XXXX as follows : 1. ) {$39000.00} was transferred from XXXX XXXX Traditional IRA Account XXXX to XXXX XXXX XXXX Traditional IRA account XXXX ; and 2. ) {$4100.00} was transferred from XXXX XXXX Traditional IRA Account XXXX to XXXX XXXX XXXX Traditional IRA account XXXX. Relevant documentation is shown in Exhibit 6. e. In the fall of XX/XX/XXXX I effected an IRA rollover from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX as follows : On XX/XX/XXXX, a check of {$27000.00} was received from XXXX XXXX XXXX XXXX account XXXX and deposited on XX/XX/XXXX into XXXX XXXX XXXX Traditional IRA account XXXX. Relevant documentation is shown in Exhibit 7. f. In XX/XX/XXXX, XXXX XXXX XXXX was taken over by XXXX XXXX XXXX XXXX having the same address. Relevant documentation is shown in Exhibit 8. g. In XX/XX/XXXX I effected an IRA rollover from XXXX XXXX XXXX XXXX XXXX XXXX to Discover Bank as follows : On XX/XX/XXXX, {$110000.00} a check was received from XXXX XXXX XXXX Traditional IRA Account XXXX and deposited into Discover IRA Account XXXX on XX/XX/XXXX. Relevant documentation is shown in Exhibit 8. The same day Discover Bank contacted me by phone and when we spoke the following was communicated by them : 1. They maintained that they could not verify the business documents regarding the comingling, in spited of the fact that such documents are normally admitted in court under the business document hearsay exception. 2. They maintained that they were unable to segregate the comingled traditional and Roth funds to conform with IRS regulations.
Company Response: Closed with explanation

Timely Response

2018-05-18

Damascus, PA

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

2018-05-18

Encino, CA

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

2018-05-17

Johns Creek, GA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-05-17

San Clemente, CA

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

2018-05-17

Nyc, 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
Complaint: Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. I have not authorized those charges.
Company Response: Closed with monetary relief

Timely Response

2018-05-17

Glendale, AZ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-05-16

Tampa, 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

2018-05-16

MI

Closing your account

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

Can't close your account
Complaint: Notice to Cease Communications Certified Mail TO : DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 RE : Acct. # s XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 1. I am requesting DISCOVER to cease further communication with me by PHONE concerning this account. 2. I am requesting DISCOVER to close this account Please DO NOT communicate further with me via phone with respect to these accounst. You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-05-16

Brooklyn, NY

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 have 16 hard inquiries when I only had three cedit cards non eof these were approved by me
Company Response: Closed with non-monetary relief

Timely Response

2018-05-16

Auburn, WA

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2018-05-16

Atl, 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

2018-05-15

West Brandywine, PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-15

NJ

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 had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.
Company Response: Closed with explanation

Timely Response

2018-05-15

Kalamazoo, 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: About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.
Company Response: Closed with explanation

Timely Response

2018-05-15

Boston, MA

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
Complaint: I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
Company Response: Closed with explanation

Timely Response

2018-05-15

Orland Hills, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2018-05-15

Discovery Bay, CA

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

2018-05-14

Abram, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-05-14

North Port, FL

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

2018-05-14

Hamilton, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response