DISCOVER BANK

2018-03-18

Vernon, WI

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-03-18

Chicago, IL

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

2018-03-17

Palos Park, IL

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 alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX and im not applyiny for nothing.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-17

Manchester, CT

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-03-17

Stilesville, IN

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Summary I have student loans that are owned and serviced by Discover. I enrolled back in school on XX/XX/XXXX. Prior to this date the loans were past due 30-60 days. On or before XX/XX/XXXX Discover received notification that I was enrolled in school at least half time. On XX/XX/XXXX my mother ( co-signer ) made a payment for the amount due and all loans were brought current. BetweenXX/XX/XXXX and XX/XX/XXXX Discover processed the deferment for all but one of the loans as it was out of deferment time. Upon placing the loans in deferment Discover or Discovers systems reversed and misapplied the XX/XX/XXXX payment, causing the loans to show past due. Since bringing this to their attention no later than XX/XX/XXXX Discover has been unable to correct the issue claiming know system errors or system would not allow due to status. Collection past due loans has continued dispite multiple attempts to inform and correct issue with Discover. Detail : Prior to XX/XX/XXXX my loans were past due because of financial hardship related to a chronic medical condition and extensive missed time from work. XX/XX/XXXX I began classes at XXXXXXXX XXXX XXXX University ( XXXX ). After completing the first week of classes I began to explore my in school deferment options for my private student loans ( including Discover ). XX/XX/XXXX I provided the Registrars office at XXXX Discovers School Enrollment Verification Form which was provided to Discover there after. XX/XX/XXXX XXXX XXXX XXXX sent notification to Discover of my enrollment. In subsequent calls to Discover after notification was sent, I was informed it was being processed and would be escalated. XX/XX/XXXX Payment in full was made brought account current. Within following days Discover processed/approved deferment. On doing so payment from XX/XX/XXXX was reversed and reapplied to to various loans with no rhyme or reason. Causing loans to show past due Contacted Discover ; was told it would be corrected. XX/XX/XXXX Payment reallocation completed. Reallocation made payments even worse. XX/XX/XXXX Contacted Discover in the morning to be told a system migration was in progress and caused the payment issue. Transferred to XXXX ( supervisor ) who claimed he or XXXX ( supervisor originally working on issue ) would research and return call. No call was received. That evening contacted Discover again, spoke to XXXX who tried to collect on balance due. Then transferred to XXXX ( Supervisor in XXXX ). XXXX indicated their system would not allow past due payment to be applied because of the status of the loans and that this was a known issue they are actively working to resolve, with no ETA. XXXX indicated Loans XXXX, XXXX, XXXX, XXXX, and XXXX were all frozen and in deferment ; no collection attempts or credit reporting would occur due to the status of loan. Credit was applied to Loan XXXX to bring loan current but nothing could be done for other loans. Arranged for a call back from his Manager ( XXXX ) however no call received. Informed XXXX of my intent to file complaints with XXXX, CFPB, and possible legal action if not resolved. XX/XX/XXXX Received notice via email ( see attached ) from Discover attempting to collect on balance of loans in deferment and past due. Contacted Discover again as had not received update and account was still showing past due and no call received from XXXX. Spoke to XXXX, who had no update ; indicated XXXX was out of the office. Call back was requested from XXXX at XXXX, next day. XX/XX/XXXX As no call was received from XXXX, contacted Discover again. Spoke to XXXX who tried to collect on balance. Tried to transfer to XXXX who was not available. Transferred to XXXX ( Supervisor - XXXX ). XXXX who is a peer of XXXX and in same office, indicated she would work with back office to get this resolved. Indicated XXXX was not in and requested call next day. XX/XX/XXXX No call received due to personal issues with cell service. XX/XX/XXXX As no call was received and issues with cell service resolved contacted Discover in early afternoon, hoping being during normal business hours would be easier to resolve. Spoke to XXXX who attempted to collect. Transfered to XXXX who spoke to Deferment Team claimed nothing could be done due to known system error. Had no update from XXXX. Later that evening called again to attempt to speak to XXXX to get update. First spoke to XXXX in XXXX who attempted to collect, was argumentative and condescending, despite mentioning perviously speaking to XXXX and XXXX, XXXX never felt it necessary to involve a supervisor until I specifically asked. Once I asked she attempted to transfer, but sent me into an IVR for XXXX XXXX. Called back spoke to XXXX who attempted to collect ; transferred to supervisor. Spoke to XXXX ( Supervisor - XXXX ). Filed a complaint on XXXX. Indicated XXXX did attempt contact on the XXXX but was unable to reach me, and has been in meetings since then. Indicated XXXX would not be in until Saturday or Sunday, but had no update. Indicated multiple people are working on this and will be done quickly ( has already been a month ). She insisted that no credit reporting would be done until 60 days past due and if anything was reported it would be corrected. Indicated agents are collecting on calls in as they are not reading the notes fully. Call was unexpectedly disconnected ; no attempt to reconnect was made by either party.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-16

WI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case. PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.
Company Response: Closed with explanation

Timely Response

2018-03-16

NJ

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: On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX
Company Response: Closed with explanation

Timely Response

2018-03-16

Three Bridges, NJ

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

2018-03-16

Bridgton, ME

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

2018-03-16

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I believe this is the agency that has been hacking into my accounts using fake XXXX accounts Received a letter from them has my social security number listed! Stating that I own XXXX XXXX money. Was not XXXX Bank obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? Someone using Discover Bank hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX XXXX cards to the amount of over {$40000.00}! This funds sent to a fake XXXX credit card account! Discover Bank NEEDS to stop letting hacker work for them!!! They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. In XXXX of XXXX I became XXXX and sent a claim into Discover Card to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/2012 XXXX I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at Discover Bank or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # XXXX! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake Discover card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! Discover Bank has been ordered by several federal court to stop setting up fake accounts in class action law suites!
Company Response: Closed with explanation

Timely Response

2018-03-16

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-03-16

Pikeville, NC

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-03-16

Stevenson, MD

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: In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-16

San Antonio, TX

Fees or interest

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

Problem with fees
Complaint: Since Discover card was opened in XX/XX/2009a payment protection plan was enabled on the card without my knowledge. The account has been on autopay and I did not check my monthly statements. Discover had enabled a so called payment protection plan which I was never aware of and never used. I have been charged around {$12.00} per month for 9 years. Almost {$1300.00}. I called discover when I noticed the charges and was told I could cancel the service and get one month back. I said yes cancel the service and credit me, but that one month was unacceptable as I had never signed up for the service. Was told this is the best that can be done. I called back and asked for a supervisor who said he could credit me 6 months. I explained I never signed up. He said it was the best he could do. I plan to pursue the money owed back to me however I am able as I know that I did not sign up for this shady product.
Company Response: Closed with monetary relief

Timely Response

2018-03-16

San Jacinto, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!
Company Response: Closed with explanation

Timely Response

2018-03-16

Farmington, MN

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

2018-03-16

Norwood, MA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-16

Sioux Falls, SD

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I signed up for Discover Student Loans ' automatic payments last XXXX, to take advantage of the interest rate reduction offer, as well as for my own convenience. I will provide the auto payment confirmation letter from XXXX. Please find this sentence : " The amount deducted each month will be equal to the amount due on your monthly statement, so please ensure that sufficient funds are available in your bank account on the day your payment is due. '' The auto payments began with my XX/XX/XXXX payment, as expected. The problems began with my XX/XX/XXXX payment, I guess. I will provide all of my XXXX statements from XX/XX/XXXX until the current XX/XX/XXXX statement. My XXXX statement reflects a payment of {$190.00} due on XX/XX/XXXX. My XXXX statement shows this payment was made on XX/XX/XXXX, yet now shows all of these loans with past due amounts. ( Why? The payment was timely. ) The new payment is {$220.00}, due XX/XX/XXXX. My XXXX statement shows a payment was made for {$190.00} on XX/XX/XXXX. ( Why? The auto payment system is supposed to take the amount due, so if {$220.00} was due, why did it take {$190.00}? ) All of the loans were till showing past due amounts, and a payment of {$220.00} was due on XX/XX/XXXX. This time it has a new message showing an auto debit amount of {$200.00}. ( Why? Where does this number come from? It's neither the amount due I had been paying of {$190.00}, nor the amount due on XX/XX/XXXX of {$220.00}, NOR the amount due on XX/XX/XXXX of {$220.00}. ) My XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Again, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. ( Again, why? Where does this number come from? ) For some reason, there are XXXX XXXX statements, but they look the same to me. My XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Again, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. My XX/XX/XXXX statement shows the payment of {$200.00} was received on XX/XX/XXXX, a payment of {$220.00} is due XX/XX/XXXX. All of the loans are still showing past due. Now, the statement shows an auto debit amount of {$200.00} on XX/XX/XXXX. In XX/XX/XXXX, I finally became aware of this situation when I logged in to get my XXXX form for my taxes. ( Keep in mind, at this point, I have no idea that I'm " past due '', because auto payments are being taken from my checking account every month, and they are supposed to be for the amount due, according to the terms of the auto payment program! ) I immediately paid the " past due '' amount, online. My XX/XX/XXXX statement shows the auto payment, my additional payment for the " past due '' amount, and an extra payment I made to pay 2 of the loans in full. I will provide confirmation letters of these one-time in-full payments. Finally, on this statement, there are no loans reflecting past due amounts. A payment of {$180.00} is due on XX/XX/XXXX, and the statement now shows an auto debit amount {$180.00} on XX/XX/XXXX. It looks like all is well, again. However ... My XX/XX/XXXX statement shows the payment of {$180.00} was received on XX/XX/XXXX, a payment of {$180.00} is due XX/XX/XXXX. Several of the loans are showing past due. Again, the statement shows an auto debit amount of {$180.00} on 3/28/2018. For some reason, my 2 one-time payments for the payoff of 2 loans are shown again. I don't know why this is. My payment history also reflects this, and one of the payments is in a " reversed '' status. There was no reversed payment! I will provide my checking account statements showing the payment was sent to Discover and no payments were reversed! The XXXX statement also reflects a phone payment I made on XX/XX/XXXX to correct the past-due amounts I was seeing online. My account is STILL showing me a message on the front page saying that I am delinquent even though I am NOT delinquent. I get contradictory information in inbox messages from them. The first person I asked about the most recent " delinquency '' just told me they were forwarding it, whatever that means. The second person I asked told me that I was assessed a late fee ... even though I was NOT late ( IT SHOULD BE IMPOSSIBLE TO BE LATE WITH AUTO PAY IF THE MONEY IS AVAILABLE FROM MY CHECKING ACCOUNT!!! ), yet they don't charge late fees. WHAT IS GOING ON AT DISCOVER? THIS IS LUDICROUS. We charged you a late fee but we don't charge late fees? WHAT??? Not exactly important, but I got 2 letters and inbox messages about waivers that I requested. I did NOT request any waivers of anything, they may have proactively waived fees they charged me in error, but that's on them, I didn't ask for it. I have tried corresponding with Discover through the messaging system on their website, but they are not solving any of these problems!
Company Response: Closed with explanation

Timely Response

2018-03-16

GA

Closing your account

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

Can't close your account
Complaint: I can't close account or make payment on the balance or anything. There is nobody to contact. I want this account closed.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-16

Chicago, IL

Fees or interest

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

Problem with fees
Complaint: To show it may concern I XXXX XXXX have an issue with discover credit card for something that was promised to me and something that was notated in the system as to receive an adjustment credit of XXXX after completing the XX/XX/XXXX payment as agreed. I Am not talking about the credit adjustments discover gave me for the first 2 payment made I receive those adjustments the one Im having a concern about is thr one of XX/XX/2018 I spoken to a representative that enrolled me in to the auto pay payments. s we discuss my account she saw that there was notes saying that after I have completed the XXXX payment of XX/XX/XXXX once the payment had finished process and posted in the account I would get a XXXX credit adjustment for the month of XXXX As I paid the XXXX Days have pass by and nothing has yet been adjusted I repeat this is regarding the XXXX payment not Any other month I Also have that call recorded as all of my calls get recorded for a special reason that for all of my payments I had problems before with different banks and everything was recorded situar I can prove everything we said and discuss is in the recording. I am dissatisfied and disappointed at discover for promise someone something and than not doing it. I think I deserve it I work hard to become current and have my account back on track
Company Response: Closed with monetary relief

Timely Response

2018-03-15

Watkins, CO

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

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

Problem with personal statement of dispute
Complaint: I have called Discover several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ i XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
Company Response: Closed with explanation

Timely Response

2018-03-15

Arsenal, PA

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

2018-03-15

Hamilton Grange, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-15

Lowell, AR

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: I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.
Company Response: Closed with monetary relief

Timely Response

2018-03-15

Newnan, GA

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