DISCOVER BANK

2019-10-18

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-10-18

Five Points, NC

Fraud or scam

Money transfer, virtual currency, or money service: Debt settlement

Company Response: Closed with explanation

Timely Response

2019-10-18

Blossom Valley, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-17

Columbia, SC

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-17

Taft, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.
Company Response: Closed with explanation

Timely Response

2019-10-17

Enfield, ME

Other features, terms, or problems

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

Add-on products and services
Company Response: Closed with monetary relief

Timely Response

2019-10-17

Mesa, AZ

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-17

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.
Company Response: Closed with explanation

Timely Response

2019-10-17

Santa Ysabel, 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 CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one. However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.
Company Response: Closed with explanation

Timely Response

2019-10-17

Stevenson, MD

Other features, terms, or problems

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

Problem with balance transfer
Complaint: On or around XX/XX/XXXX/XX/XX/XXXX I wrote out two separate Discover balance transfer checks to XXXX XXXX for {$900.00} and XXXX credit card for {$1700.00}. Each check was made out directly to each creditor and placed into their separate company envelopes. I walked them down to a US post office locked mailbox outside my office building. I work in a very busy office building with many different businesses and outside is a Us post office mailbox as well as a XXXX lock box. Two weeks went by so I reached out to both creditors to make sure they received the payment which at that time they had not. I contacted discover and was told that yes the checks were processed on XX/XX/XXXX. I immediately became concerned because I had just put them in the lock box a day or two before, the timing was concerning. I then reached out to both XXXX XXXX and XXXX to start an investigation. I went thru all of the necessary procedures with all three creditors to find out what had happened to the checks. I finally received copies of both the checks that had been cashed and I again immediately became concerned because the checks were signed and cashed by the same person on XX/XX/XXXX apparently to a chase banking acct. I immediately contacted Discover and explained the situation, at this point every person I spoke to didn't really seem to care or were concerned. I stressed on every conversation that I believed the checks were fraudulently cashed by some unknown person and each time my concerns were never taken seriously. I filed a case with the post office case # XXXX and I was told by the postoffice that yes there had been some incidence in our area where the mailboxes had been tapered with. I explained that also to every person I spoke to from discover again no one I spoke to seemed to care. I also told them that my boss had a check that was taken and cashed fraudulently from the same mailbox on or around the same time and again no one really seemed to care and in fact XXXX told me it appears that my office had an issue. I again explained to her that all mail gets walked down by me and dropped into a US post office lock box! I was instructed by XXXX that I needed to go to the nearest XXXX XXXX since that is where the checks were cashed and get a copy of source of receipt. My Husband and I on a Thursday XX/XX/XXXX drove 50 miles to the nearest XXXX XXXX to be told by the Bank manager that they could not help us that Discover needed to contact XXXX directly to resolve the issue. We called XXXX while we where in XXXX XXXX. She proceeded to argue with the branch manager stating that he needed to give us the information in regards to the account where the checks were cashed. The Branch manager had to explain to her how the procedure worked and that Discover needed to do an investigation directly with XXXX. My Husband and I were sitting in the middle of this very uncomfortable and inappropriate interaction from XXXX. The branch manager at XXXX was very apoligetic and couldn't believe the misinformation given to us. I contacted Discover that Monday XX/XX/19 and spoke to a superviser and found out that not one of the customer representatives had taken down correct notes. I had to again explain the entire story. She had no knowledge that the checks were placed into a secure lock mailbox once she realized what I had been stating I was finally transferred to the fraud Dept where I spoke to a XXXX XXXX on XX/XX/19. At this point he closed my acct so they could investigate the fraud claim. I then received a letter on XX/XX/19 asking for additional information I called and spoke to first XXXX then XXXX on XX/XX/19 and once again had to explain the entire story because the notes were not entered correctly. I also filled out the attached form and mailed it from my home to Discover. I just received a letter dated XX/XX/19 that they had concluded their investigation and found no fraud and I am responsible for the {$2600.00}. I immediately called and spoke to XXXX on XX/XX/19 and had to give him the post office claim # because once again no one had included that information into the investigation. He explained to me that it would go back to the disputes department but that the charge would still go onto my account and that there was nothing else they could do. This has been so stressful and time consuming, the customer service has been horrible. I have done everything to try to have someone take my concerns seriously and catch the person who committed this act of fraud.
Company Response: Closed with monetary relief

Timely Response

2019-10-17

Blossom Valley, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-16

Tustin, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-10-16

Commack, NY

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

2019-10-16

Gloucester City, NJ

Getting a credit card

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

Application denied
Complaint: Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.
Company Response: Closed with explanation

Timely Response

2019-10-16

Fruit Cove, 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

2019-10-16

Palmyra, MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.
Company Response: Closed with explanation

Timely Response

2019-10-16

Long Island City, NY

Closing your account

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

Company closed your account
Complaint: Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.
Company Response: Closed with explanation

Timely Response

2019-10-16

Hatteras, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-16

Grosse Ile, MI

Fees or interest

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

Problem with fees
Complaint: I am having a dispute with Discover over a payment protection that was not authorized. From I have seen on the internet they have been made to give refunds to many people. The only gave me a year and I wa n't them to refund everything they charged without my consent. It would probably be about another {$5.00}. Can you handle a dispute with a credit card company? If so what would be the fee? XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-16

Seattle, WA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-10-16

MD

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: In the begging this year when I pulled credit report I found out that my husband had use all my identity ( ssn, tax return ... ) all tha information applied a personal loan last year around XXXX for XXXX under mecurrently going through divorce process ) i had call discover so many time and they told me is civil matter, i had called police also but they werent being helpful, my husband was tha one set up all tha account and stuff since he manage all the bills at home, and everything was done by him, jsut recently he start sent email to me, I just dun understand how can they approve the loan that easy without my signature and stuff, now my credit score is damage cuz is not being paid, i was hoping they can help me investigate but they didnt, they kept switch me from line to line and told me nothing they can do! Please help
Company Response: Closed with explanation

Timely Response

2019-10-16

Dania Beach, 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

2019-10-16

San Jose, CA

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

2019-10-16

Philadelphia, PA

Closing your account

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

Company closed your account
Complaint: On XX/XX/XXXX, I paid down my Discover balance by {$7000.00} ( from around {$11000.00} ). The balance had been current with no history of delinquency per my recent recollection. The limit on the card was about {$12000.00}, so my payment freed up utility on my card and should have improved my overall credit. I had made multiple payments toward several current balances with other issuers in order to improve my credit and free up utility in my credit lines. Around XXXX of XXXX, Discover notified me that they were lowering my credit limit down to right around the remaining balance on my card ( about {$4000.00} ). I don't recall ever receiving an adverse action letter specifying the reason for the line decrease, and as a customer who had just paid down a significant portion of my current balance, I was surprised at the action taken. In an effort to understand what was happening and why, I called Discover and had a phone conversation with someone from their portfolio customer service team. The specialist informed me that some negative information on my credit report was the reason for the line decrease. When I pressed for specifics, he noted a XXXX card with a delinquency, a XXXX XXXX checking account with a delinquency, a XXXX delinquency, and a XXXX XXXX delinquency. Much of what he said to me regarding my credit report and the reason for the line decrease came as a complete surprise to me. I was aware of a {$100.00} delinquent balance on a XXXX card that I no longer used. I had an annual autopayment for a subscription set up on the card, and because I no longer used the card I was unaware that I even carried a balance. That delinquent {$100.00} balance was resolved in the summer of XXXX immediately when I became aware. Aside from the XXXX card, I had no idea what he was referring to when he mentioned a XXXXXXXX XXXX account, a XXXX account, and a XXXX XXXX account. I was admittedly flustered by the information that the specialist provided since none of it made sense to me. My first thought was that I was being scammed by some type of fraudster, and since Discover 's action of an {$8000.00} line decrease seemed severe, I proceeded to close / freeze the Discover card in fear that I would incur any further damage from a potential fraudster by leaving the card open. I immediately called XXXX to discuss my account standing, and after speaking with them, I confirmed that I never had any delinquency with them - my account had always been in good standing. I then ordered a record of my credit report in order to understand the comments the Discover specialist made about the XXXXXXXX XXXX and XXXX delinquencies as I didn't recall having any relationship with either bank. Upon receiving my credit report within a week or so, I confirmed I have never had any relationship with XXXX. I also did see a brief delinquency on a XXXXXXXX XXXX checking account in XXXX while I was a student and mismanaged a checking account temporarily, however that information was not new to Discover since I became a Discover card customer well after XXXX. Therefore it seems to me that Discover took a negative action against me that negatively affected my credit by lowering my utility, even though I had just paid back a significant balance, and they poorly and inaccurately communicated the reason why. After discussing everything that had happened with my husband, I realized that it was not to my financial advantage to close the Discover card, as maintaining current accounts over time improves credit. I only took that action in fear that someone was committing fraud against me, since Discover noted so many delinquencies with so many financial institutions all at once. My credit was also negatively affected by a large decrease in my credit limit with Discover, since utility thresholds are a major contributor to credit score. As someone who maintained my Discover card in good standing and who had just paid down {$7000.00} of my balance, I was expecting to improve my credit and continue my positive relationship with Discover. Instead, a negative action was taken against me and the reasoning for the action was poorly and inaccurately communicated. After considering everything that had happened, ultimately I just wanted to keep my credit in good standing and maintain my credit history and utility that I had worked hard to build. My husband and I called back Discover to discuss reopening the card and adjusting the limit back to the norm. They tried to let us know that they can not reopen cards. However, I am aware that cards can be reopened. Upon questioning Discover, they admitted that cards can be reopened but only when the closure was an error on their part. My husband and I tried to reason with them that the account closure was in large part due to their error, because although I verbally authorized the closure, I was doing so in fearful reaction to the inaccurate information they communicated about my credit report and overall financial standing. Again, my fear was that I had been targeted by some type of fraud and that inaccurate or fraudulent charges were affecting my credit, and with that thought in mind my first reaction was to just shut down / freeze everything with Discover. Again, looking back I wish I had the calm of mind to think through how to proceed rationally, but the inaccurate information that Discover provided caused a panic that I was in financial distress due to some type of scam or fraudster. After one last call another time to Discover where my husband and I pleaded to reopen the card and reinstate the credit line, again their team insisted that they had done nothing wrong. At this point, I felt totally wronged by Discover. I made every effort to be a good customer. I upheld my end of the card agreement, and yet they chose to take negative actions against me in a way that does not seem right for consumer finance. If Discover took similar actions against other consumers, I'd think the CFPB would want to investigate what happened to ensure it does not happen again.
Company Response: Closed with explanation

Timely Response

2019-10-15

Bedford, TX

Closing your account

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

Company closed your account
Complaint: Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine. I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.
Company Response: Closed with explanation

Timely Response