DISCOVER BANK

2018-03-23

Portland, OR

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 non-monetary relief

Timely Response

2018-03-22

Birmingham, AL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-03-22

Ridley Park, PA

Closing your account

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

Can't close your account
Complaint: early XX/XX/XXXX received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. I cancelled immediately right then - NEVER HAVING PHYSICALLY RECEIVED OR ACTIVATED A DISCOVER CARD I was told when I cancelled in late XX/XX/XXXX that the deposit was " expedited '' and would be received in about 10 days. I called on XX/XX/XXXX to check on a date I could expect that back and was told that nothing was done yet and they would THEN expedite the return of my money. This was the second time I was lied to about about the matter. I called AGAIN on XX/XX/XXXX to check and STILL nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. On XX/XX/XXXX I had not got any phone call - and had to make a FOURTH call to a manger in XXXX about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.
Company Response: Closed with explanation

Timely Response

2018-03-22

Eastvale, CA

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

2018-03-21

Ridgefield, CT

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Sometime in early XX/XX/XXXX, Discover Student Loans announced that all loans that had originated with Discover that was currently being serviced by XXXX XXXX, would be moved back over to Discover for loan administration. The actual transfer occurred in mid-XX/XX/XXXX. Sometime shortly after the loans were transferred back to Discover, I checked on the balances of the loans to confirm that my personal records were aligned with the records of the loan administrator ( Discover ). For the most part, all loan balances tied out fine. However, the one loan in question showed a small difference. When the initial loan disbursement minus all the principle payments plus any accrued interest was added together, it did not equal the loan balance that Discover claimed was the actual loan balance. I called Discover approximately onXX/XX/XXXX to inquire about this difference. The representative understood my issue and confirmed what I was seeing and opened a ticket. She had indicated to me that someone would get back to me in 5-7 business days ( as I recall ). Sometime around the XX/XX/XXXX I made a second call to inquire why I had not heard anything nor why the loan balance was not corrected. I was told I misunderstood the time-frame and someone would get back to me by Friday, XX/XX/XXXX. They could see the ticket was still in progress. Friday came and went and there was no contact and the balance was not corrected. I called again ( this is the third time ) on Sunday XX/XX/XXXX. I re-explained the issue to the representative I spoke to, but at this time I was getting rather frustrated. I insisted on receiving a call back from someone. After not hearing anything on Monday or Tuesday, I called Discover for a 4th time and immediately asked for a supervisor. I spoke with XXXX ( from XXXX, I believe ) on Tuesday evening ( XX/XX/XXXX ) roughly XXXX eastern time. I reexplained the problem. XXXX walked through the issue with me and noticed there was a correction to be posted of {$1.00}. This was the difference that I showed as well. I was relieved the issue would be resolved. She indicated the transaction would post the next day and it should be corrected ( she did indicate this would correct my balance ). On Wednesday, XX/XX/XXXX, I logged in to check the balance and it was STILL INCORRECT. The transaction XXXX had referred to did post, but it posted as interest, therefore not having any effect on the loan balance. I called in AGAIN ( try # 5 ) and spoke with XXXX from XXXX. XXXX initially had indicated to me that I did not understand exactly how the interest accrues. While I did not indicate this to XXXX, I have been a XXXX XXXX for over 30 years. I know how interest accrues. I tried to walk XXXX through the transactions, but he came back and told me that, " there are several back office transactions that are not visible to you ''. All transactions should be transparent and visible to the consumer. This is what initiated my filing this complaint with the CFPB. In the end, when I take the opening balance and subtract the subsequent PRINCIPLE payments ( as displayed on the Discover Loan website ), and add back any accrued interest to date, it DOES NOT EQUAL the loan balance that Discover explains is on this loan. In my mind, ANY transaction that affects the balance on my account should be visible to me. He said he would send me a transaction summary and that would take 2-3 weeks ( the first person indicated that as well and I have yet to receive anything ). He also communicated to me that " this is how our system works ''. I have personally NEVER come across another system that has transactions NOT VISIBLE to the ACCOUNT OWNER. While the difference is small, this is not a monetary complaint. The issue to me is that the website information is incorrect and there is not full transparency to me on all the transactions. I view this as a much more serious issue.
Company Response: Closed with explanation

Timely Response

2018-03-21

General Delivery, DC

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 explanation

Timely Response

2018-03-21

Clifton, PA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-21

Arlington, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-21

Lincoln, NE

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

2018-03-21

Lannon, WI

Fraud or scam

Money transfer, virtual currency, or money service: Refund anticipation check

Company Response: Closed with monetary relief

Timely Response

2018-03-21

Three Bridges, NJ

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2018-03-21

Kagel Canyon, CA

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 non-monetary relief

Timely Response

2018-03-20

Evans, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-03-20

Phila, PA

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

2018-03-20

SC

Improper use of your report

Credit card or prepaid card: Store credit card

Credit inquiries on your report that you don't recognize
Complaint: Don't know anything about this cause I don't have credit cards
Company Response: Closed with non-monetary relief

Timely Response

2018-03-20

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with non-monetary relief

Timely Response

2018-03-19

Norcross, GA

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

2018-03-19

Atlanta, 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: I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX for that particular billing of {$90.00} again, Making me owe the same amount twice! In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail. Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account. The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ). Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
Company Response: Closed with explanation

Timely Response

2018-03-19

Plymouth, 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 have been very successful in my life, but like millions of others, I lost everything in the XX/XX/XXXX-XX/XX/XXXX recession. My credit was ruined by my divorce. I have not had a credit card in 5 years I went bankrupt ( never filed ) I use to have an XXXX credit sore. I began to learn about secured credit cards and a friend told me Discover offered one with no credit check. You know a hard inquiry will hurt your credit I FILLED OUT THE APP, I was never told a Hard inquiry would be pulled. I HALTED THE APPLICATION BECAUSE I DID NOT HAVE ALL THE DOCS NEEDED I TOLD THEM TO STOP THE APPLICATION. I HAVE A RECORD OF 2 phone calls I told them to stop the APP AND 7 emails asking me to COMPLETE THE APP ... .WHICH WAS NEVER COMPLETED THEY PULLED A HARD INQUIRY WITHOUT MY COMPLETING THE APP WITHOUT MY PERMISSION AFTER TELLING THEM TO STOP APP THE CALLS ARE RECORDED SO WE CAN PULL THEM THIS IS DECEITFUL AND ILLEGAL- I never COMPLETED THE APP AND I HAVE 10 emails CONFIRMING THIS I WANT THIS HARD INQUIRY REMOVED FROM MY REPORT
Company Response: Closed with explanation

Timely Response

2018-03-19

Green Bay, WI

Fees or interest

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

Problem with fees
Complaint: I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.
Company Response: Closed with explanation

Timely Response

2018-03-19

Nazareth, PA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with fees or penalties
Company Response: Closed with explanation

Timely Response

2018-03-19

Baldwin, 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
Company Response: Closed with non-monetary relief

Timely Response

2018-03-19

Phoenix, AZ

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 several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Company Response: Closed with explanation

Timely Response

2018-03-18

South Florida, FL

Incorrect information on your report

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

Account status incorrect
Complaint: I have 3 things on my credit report that I want to dispute. I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
Company Response: Closed with explanation

Timely Response

2018-03-18

Barry University, FL

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Company Response: Closed with explanation

Timely Response