DISCOVER BANK

2018-03-12

Rncho Domingz, CA

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: Hi, I do not remember for applying Credit from following 1st and 2nd company. I request you to pls remove off from my credit report. 1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX XXXX XXXX. Inquiry Date : XXXX XXXX Telephone Companies
Company Response: Closed with explanation

Timely Response

2018-03-12

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

2018-03-12

Reading, PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??
Company Response: Closed with explanation

Timely Response

2018-03-12

Garrison, MD

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-03-12

Dallas, 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: On XX/XX/XXXX, I bought two XXXX the musical tickets from XXXX XXXX XXXX for a show on XX/XX/XXXX @ XXXX at the XXXX XXXX in XXXX XXXX. After I bought the tickets, I was sent an email saying someone wanted to transfer my tickets through XXXX for a showing onXX/XX/XXXX @ XXXX ( notice this isn't the correct time - and there wasn't even a showing at that time ). On top of that, the link was broken. I called XXXX XXXX to tell them the situation, and they were confused why I would receive an email from them when I bought the tickets on a different sight. They said their service isn't used in such a way. Therefore, I emailed XXXX XXXX XXXX. I only received an automated response that they would get back to me. However, they never got back to me. From the automated email, I noticed that there was a company name " XXXX XXXX '' from the XXXX. I searched around on XXXX, and many results came up commenting that they are a scam that make legitimate looking site for shows and musicals. ( The real site doesn't have dashes in it XXXX XXXX XXXX/ ... It's easy to confuse ). Long story short, I protested the charge with Discover for {$190.00}. The first time they reviewed it, they sided with the merchant. Therefore, I uploaded documents including emails I received showing the broken link and things I found on XXXX showing that this company is a scam. Again, they reviewed it and sided with the merchant! How could this be? They told me the merchant claims that I received tickets via email. However, I already told Discover that the link they sent me was broken, and I never actually received tickets. Also, the tickets they supposedly sent me were for a time where a showing didn't even exist. They said they're going to give it 90 more days for a final review. I've spent several hours trying to get this correctly resolved and sending all the proof I have. Yet, somehow Discover is protecting scammers from the XXXX instead of the consumer.
Company Response: Closed with explanation

Timely Response

2018-03-12

Gastonia, NC

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives. It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.
Company Response: Closed with monetary relief

Timely Response

2018-03-12

Cleveland, OH

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
Company Response: Closed with explanation

Timely Response

2018-03-12

Cleveland, OH

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
Company Response: Closed with explanation

Timely Response

2018-03-11

Ft Belvoir, VA

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

2018-03-11

North Hollywood, CA

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: My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. This account was opened on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-03-10

Tarzana, CA

Other features, terms, or problems

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

Other problem
Complaint: I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. I want my credit limit restored. Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-10

Charlotte, NC

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 contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Company Response: Closed with explanation

Timely Response

2018-03-10

San Jacinto, CA

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: The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.
Company Response: Closed with explanation

Timely Response

2018-03-09

CA

Incorrect information on your report

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

Account information incorrect
Complaint: XX/XX/XXXX Discover reporting incorrect amount owed by XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-03-09

Thousand Oaks, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-03-09

Bronx, NY

Incorrect information on your report

Checking or savings account: Other banking product or service

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-03-09

Calumet Park, IL

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

2018-03-09

Cortland, 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

2018-03-09

Pflugerville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-03-08

Reno, TX

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

2018-03-08

Barry University, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-03-07

Aventura, FL

Incorrect information on your report

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

Personal information incorrect
Complaint: The credit card company offers bonuses call to know the status of the application and they say that I must apply again
Company Response: Closed with explanation

Timely Response

2018-03-07

Warren, MI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I sent in payment on XX/XX/XXXX its now XXXX XXXX on XX/XX/XXXXand nothing has processed for the payment sent in to pay in full a loan XXXX balance off of just under {$950.00}, that I sent in payment of {$950.00}.
Company Response: Closed with explanation

Timely Response

2018-03-07

Bedford, NH

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-03-07

Las Vegas, NV

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response