DISCOVER BANK

2018-04-06

Boca Raton, FL

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

2018-04-06

Joliet, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-04-06

Phoenix, AZ

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

2018-04-06

Lowell, AR

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

2018-04-05

Jamaica, NY

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-04-05

Brentwood, 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
Company Response: Closed with explanation

Timely Response

2018-04-05

Finksburg, MD

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 contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Mission Viejo, CA

Incorrect information on your report

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

Account information incorrect
Complaint: THIS IS A NOTICE THAT DISCOVER LACKS STANDING TO COLLECT A DEBT, AND FAILS TO STATE A CLAIM FOR WHICH RELIEF CAN BE GRANTED, EITHER ON AN ACCOUNT STATED OR ON THE ALLEGED CARDMEMBER AGREEMENT. The following is the history of the facts : 1. On XX/XX/XXXX, I sent a demand notice via certified mail to the CEO of Discover, XXXX XXXX XXXX, to produce the original document of alleged indebtedness in its original form ( the effective credit agreement ), also referred to as the original negotiable instrument, giving Discover 10 days to comply. I made a conditional offer of payment in exchange for the document ( i.e., payment on the account stated ). Discover did not provide it. 2. On XX/XX/XXXX, I sent a SECOND NOTICE FOR CARDMEMBER AGREEMENT, via XXXX, to XXXX XXXX XXXX, providing another chance for Discover to send the documentation in exchange for payment on the account, giving Discover until XX/XX/XXXX to comply. Discover did not provide it. The CFPB states on consumerfinance.gov the following : If you are looking for information specific to your account, contact the bank or financial institution that issued your card. By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. The link is here : https : //www.consumerfinance.gov/XXXX 3. On XX/XX/XXXX, I filed a complaint against Discover via consumerfinance.gov online portal, informing the CFPB that Discover was in non-compliance of my demand notices. 4. In response to the CFPB complaint, Discover sent form agreements, false agreements, agreements that were either post-dated from the date of credit card issuance, and agreements that were unsigned. These were not the applicable agreements to the Discover credit card account. 5. Discover was in default and dishonor for failing to provide the requested agreement. 6. I sent multiple follow up NOTICE whereby I disputed the debt, denied the same, and demanded that Discover cease and desist trying to collect on the account stated since Discover failed to show, and could not show, an effective credit agreement. 7. Discover violated and continues to violate Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Reporting information with actual knowledge of errors. 8. Discover violated and continues to violate Sec 623 ( a ) ( 1 ) ( B ), Reporting information after notice of confirmation of errors. 9. Discover violated and continues to violate Sec 623 ( ) a ) ( 2 ) ( A-B ), Duty to correct and update information. 10. Discover fails to disclose material and relevant facts in the alleged Cardmember Agreement that would shock the moral conscience of any person who has ever applied for, currently holds or has used a Discover credit card. Discover knows it is violating the law, and knows that a consumer does not have any private right of action under Sec 623 ( a ) of the FCRA, only under Sec 623 ( b ). The CFPB, however, does have jurisdiction for matters pertaining to violations of the FCRA, Sec 623 ( a ) and other Federal Laws, including, but not limited to, Regulation Z. It is for these reasons that I bring the matter once again to the attention of the CFPB ( see 4-page .PDF attachment enclosed herewith ).
Company Response: Closed with explanation

Timely Response

2018-04-05

Bremen, GA

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/2016 Discover placed an inquiry on my XXXX XXXX Credit report. I did not authorize Discover to get access to my credit report.
Company Response: Closed with explanation

Timely Response

2018-04-05

ME

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.
Company Response: Closed with explanation

Timely Response

2018-04-05

Rock Hill, MO

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-04-05

Thousand Oaks, CA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-04-05

Woonsocket, RI

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response

2018-04-05

TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Dear Sir or Madam, I am writing you to file a grievance of Discovers mishandling of my checking accounts in an attempt to resolve suspected fraud. On XX/XX/XXXX, I received an email that my debit card PIN had been reset. I logged-in to my online banking to notice that someone had withdrawn {$400.00} from an ATM in XXXX, NE. I immediately called Discover and alerted their fraud department. ( enclosure DFS PIN Reset Confirmation ) I was told that a debit freeze would be placed on my account that would prevent further money from being taken out of my account. I was told that I could not open a new checking account and transfer my frozen funds until pending transactions had cleared. During this time Discover rejected an attempted debit for a XXXX credit card payment. ( enclosure XXXX Returned Pmt ) On XX/XX/XXXX, I called Discover again to check on the status of the pending transactions. A new checking account was opened, and funds were transferred from account ending in XXXX to the new account ending in XXXX. I was also told that a replacement debit card would be expedited, and new checks would be printed and mailed. It is my understanding that after transferring the funds, the agent was supposed to reinstate the security freeze on my old account. She failed to do so. On XX/XX/XXXX I called Discover again because I had not yet received my new debit card. I was told that a debit card was never ordered, but the agent placed the order while they had me on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. On XX/XX/XXXX I called Discover because a small positive balance remained on my old account ending in XXXX, and I wanted the funds transferred to my new account ending in XXXX. I was told that a pending transaction in the amount to {$1900.00} ( my monthly rent payment ) was in process and so funds could not be transferred. It was reasonable for me to think this transaction would be rejected ( because the attached XXXX transaction had rejected ) I contacted my landlord and let them know the issue. I also authorized my landlord to debit my new checking account in the amount of {$1900.00} to cover XX/XX/XXXX rent payment. I was attempting to avoid having a late fee assessed on my rent. Late fees are assessed after the 3rd day of the month. That evening I received an email a little after XXXX XXXX alerting me that I needed to deposit funds into my old account ( ending in XXXX ) by XXXX XXXX in order to cover a deficiency balance, otherwise a NSF charge would be assessed. ( enclosure DFS NSF Email ) Note : The email was sent at XXXX XXXX, but according to the email, I needed to provide funds 10 hours prior in order to avoid a fee. This seems unfair. I can do a lot of things, but I can not travel backwards through time. I immediately called Discover and alerted them to the issue. I asked two questions. 1 ) Why is a transaction pending on my old account? It was my understanding that a debit freeze was implemented. and 2 ) Will I be charged an NSF fee? I was told by the agent not to worry that the transaction would be rejected, and the agent made a note to check my account the following day when she arrived at work so she could reimburse the fee if needed. She also admitted that the security debit freeze was not re-added to my old account after the previous agent had shifted funds from my old account to my new account. I appreciated the agents helpfulness and honesty, but in short, the agent I spoke to on XX/XX/XXXX made a mistake. After we addressed that issue I asked the agent if my checks were on their way. I was told by the agent that checks were never ordered, but she placed the order while I was on the phone. In short, the agent I spoke to on XX/XX/XXXX made a mistake. Around XXXX XXXX that same evening, I checked my account balance in my new account and was SHOCKED to learn that {$1900.00} had been moved from my new account ( ending in XXXX ) to my old account ( ending in XXXX ) in order to cover the deficiency balance. I immediately called Discover again and protested the charge. I asked them to stop payment. I was told that nothing could be done, and that I should attempt to call the fraud department the following morning. The morning of XX/XX/XXXX, I called Discovers fraud department and asked them to fix their mistake regarding erroneously lifting the debit freeze on my old account. I was told the Fraud department couldnt do it, and that I should talk to Customer Service. I was transferred. Customer Service told me they couldnt do anything, and I needed to speak to the Dispute Department. The agent placed me on hold and called the Dispute Department, and then told me the Dispute Department would not assist me until the second transaction cleared. This is not my fault. Discover mishandled my accounts and I was forced to choose between paying rent late, and incurring a fee, or making two rent payments, and avoiding a fee. Discover should have prevented the first transaction from clearing, and they surely shouldnt have transferred funds from a new account to and old account that was being investigated for fraud. On top of that I did not sign up for overdraft protection, and I did not authorize Discover to shift funds from one account to the other. I pleaded with Discover to fix their mistake and reject one of the two transactions, and they refused to help me. I shifted {$2000.00} out of my savings account to cover the second transaction. So now I have a credit of {$1900.00} with my landlord. In essence I paid rent for XX/XX/XXXX and XX/XX/XXXX. I would like Discover to credit me the interest I would have earned in my Discover savings account on that amount for 27 days. The time between me initiating the second transaction and the date XX/XX/XXXX rent would have been due. It is absurd that Discover was unable to provide a provisional credit for {$1900.00} while they reversed the unauthorized transaction that stemmed from the ineptness of their agent. aIts absurd that they wouldnt allow me to dispute the first transaction, and insisted that I wait for the second transaction to clear, and then dispute the second transaction. Two missteps do not cancel each other out. According to my phone logs, I have spent 3.15 hours on the phone with Discover attempting to resolve this issue without success. I believe the actions of Discover are unfair and deceptive as defined by Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC Section 45 ) and the Dodd-Frank Act Discovers failure to reject one of the two transactions of {$1900.00} has caused substantial injury to me, and is unfair. Discovers actions of telling me that new checks and a debit card where being sent to me when the agent didnt process the order is deceptive, because it is likely to mislead. Throughout this whole process I was provided conflicting and contradictory information by Discover. It is my hope that the CFPB can intervene and require Discover to own their mistake, apologize, and offer reasonable restitution. Sincerely, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-04-05

Sun City, AZ

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 non-monetary relief

Timely Response

2018-04-05

Detroit, MI

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2018-04-05

El Paso, TX

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Magnolia, TX

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 opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.
Company Response: Closed with explanation

Timely Response

2018-04-05

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have made numerous attempts to have this issue resolved with Discover regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Company Response: Closed with explanation

Timely Response

2018-04-05

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-04-04

Vancouver, WA

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

2018-04-04

Arlington, NY

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-04-04

IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: on XX/XX/XXXXat XXXX i check my credit score an notice HARD Inquiry details from XXXX there is an hard inquiry from XX/XX/XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-04-04

Douglas, MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: In XX/XX/XXXX, I checked my credit reports with the three major CRAs and noticed several accounts that I did not open. I immediately put a fraud alert on my reports, filed a police report, and filed a Federal Trade Commission Identity Theft Report. I sent this, along with all other required documentation to the CRAs and the fraudulent accounts were deleted under FCRA Section 605b. Additionally, the FCRA Notice to Furnishers of Information was sent to all affected creditors. Then, two months later I notice that Discover Financial Services account # XXXX was re-inserted back into my credit report in violation of FCRA section 605b and section 623 ( a ) ( 6 ). Additionally, Discover Financial Services is continuing to attempt to collect this debt, which in no way belongs to me, in bad faith. I have absolutely no contractual ( or other ) relationship with Discover Financial Services, and until I first learned of this account in XX/XX/XXXX, have had absolutely no contact with Discover Financial Services. Contact after XX/XX/XXXX has strictly been in regards to becoming absolved of this fraudulent debt, which I have no obligation to whatsoever, and getting the fraudulent account closed and removed. I have contacted Discover Financial Services several times, including CEO XXXX XXXX, and the executive office. Each time, I have either been totally ignored in this matter, or have been told the debt has been verified in a standard 30-day dispute ( despite the 605b, 623 ( a ) ( 6 ) and all supporting documentation ), without them providing any signatures, or proof whatsoever. I did receive one email from XXXX XXXX, Associate, Executive Office of Customer Advocacy, stating that : According to our records, an account was opened as an individual account on XX/XX/XXXX through an application submitted on XX/XX/XXXX. You provided your name, address, social security number, date of birth, and mothers maiden name and we verified the information based on the request to open the account. A credit card was issued on XX/XX/XXXX and sent to you at XXXX XXXX XXXX # XXXX XXXX XXXX, MI XXXX. The credit card was used as shown by charges on statements that we have sent to you separately. On XX/XX/XXXX, your account charged off due to non-payment, with a balance of {$1500.00}. Please contact XXXX XXXX, Legal Compliance Manager at ( XXXX ) XXXX to discuss repayment options. XXXX XXXX could not, or was unwilling to, provide any additional info, including a copy of any signatures used to open the fraudulent account. Furthermore, I did not even live at the address he stated the account was opened from, and card mailed to, at the time. I had moved out of that address on Saturday, XX/XX/XXXX as my lease expired on XX/XX/XXXX. On XX/XX/XXXX I moved across state to take care of my grandfather who was diagnosed with late stage XXXX XXXX. I would not end up moving back to XXXX Michigan until late XX/XX/XXXX. I replied to XXXX XXXX on XX/XX/XXXX stating that I was not a resident or had any affiliation with that address during the time period he stated, and was ignored. I am now filing this complaint because Discover Financial Services refuses to make me whole in this matter, and is willingly acting in bad faith, despite receiving all documentation required under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act, including an FTC Identity Theft Affidavit, police report, identification, my personal statement along with copies of my credit report, and copies of FCRA section 605b and the FCRA Notice to Furnishers of Information.
Company Response: Closed with explanation

Timely Response

2018-04-03

Winton, CA

Other features, terms, or problems

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

Other problem
Complaint: Im writing to formally complain XXXX secured credit card and XXXX security department. I applied and was approved for the secured card. After sending my social security card, drivers license and XXXX & E bill and submitting a deposit for {$500.00} I was assured that my card would be arriving before my familys vacation to XXXX in XXXX. I received notification from the XXXX informed delivery service that XXXX had indeed sent my card and welcome package on XX/XX/2018. XX/XX/2018 I received a phone calls from XXXX XXXX department and when I called in the evening after I got off work they were closed. When I called the morning of the XXXX I was informed that there was something missing and I can not use my card until I sign some paper that might be coming in the next few weeks. All this takes place 4 days prior to my family and I leaving for vacation and the day before I was promised my credit card would be coming. Now they have {$500.00} of my money. Refuse to let me utilize the secured credit I have with XXXX company and left family stranded prior to our vacation. Now on XX/XX/2018 after contacting the XXXX XXXX XXXX XXXX XXXX line they refuse to return my security deposit and provide further information. After I spoke with this department I called the security department and informed them that I have still not received the paperwork they wanted in order to release my account. They rep I spoke with finally identified the paperwork I needed to send which was a SSA XXXX form. I filed out and sent the form but after speaking with my wife we would just like our money back. As this doesn't make us feel secure with the lack of communication from XXXX. This is a shame and completely ridiculous to my poor kids who have been waiting for this vacation. Please contact me to ASAP to resolve this issue.
Company Response: Closed with explanation

Timely Response