DISCOVER BANK

2018-02-20

Thompsons Station, TN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-02-20

Diamond Bar, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-02-20

Lake Lotawana, MO

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

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-02-20

Clermont, FL

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
Complaint: payments were missed and put on credit report. every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate.
Company Response: Closed with explanation

Timely Response

2018-02-20

Chestnut Rdg, NY

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-02-20

Manhattan, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-19

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
Complaint: Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? ( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.
Company Response: Closed with explanation

Timely Response

2018-02-18

Charlotte, NC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
Company Response: Closed with explanation

Timely Response

2018-02-18

Wasilla, AK

Improper use of your report

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

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

Timely Response

2018-02-18

Chestertown, MD

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

2018-02-17

Ashville, OH

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: In XX/XX/XXXX, I discovered that a company submitted charges to my Discover Card account. These charges were never authorized and I have no idea how the company actually obtained my Discover Card account number. I contacted Discover Card to dispute the transactions, explaining that while I had an annual membership with a local franchise that had suddenly closed in XX/XX/XXXX, I had never had an agreement with the company that charged my card on both a monthly and annual basis. Additionally, even with the local franchise, I had never used my Discover Card or provided the account number to the franchise in any way. Discover Card ruled that some of the charges were legitimate while others were considered not legitimate since the company failed to provide documentation for half of the disputed transactions. I re-contacted Discover Card and explained the situation again, providing additional documentation including the contract that I had signed with the local franchise indicating that the agreement was ONLY with the local franchise and including a section that had been crossed out. The crossed out section was the one covering month-to-month charges. This was crossed out because I paid my membership on an annual basis. Additionally, the contract listed a visa card number that i had used to pay for my membership fees. Discover Card explained that the dispute would be escalated internally and that I would hear back within 72 business hours. Unfortunately, I did not hear back for more than a week so I called Discover Card again. I had the exact same conversation with the agent, walking through the contract that I had provided to Discover Card, as well as the other documentation that I had provided. I was assured that the evidence should be sufficient to overturn the illegitimate charges. Within a few hours, I received an email from Discover Card stating that my dispute was unfounded and that Discover Card sided with the company. I then contacted Discover Card again and asked how they could have failed to recognize that the contract proved that I had no relationship with the company placing charges on my account. The agent with whom I spoke reviewed my account and explained that the email had erroneously been sent and that Discover Card had finally recognized that we had a valid dispute. As a result, four months after I first raised the issue with Discover Card, they finally provided a permanent credit for almost {$900.00}. While I have finally received the credit, I am disturbed that I had to fight for so long to get the appropriate level of consideration. The company that had placed charges to my account only provided a billing statement with my name on it. It did not have my Discover card number, a signature, or anything else to indicate that the charges had been approved by me. If I had not found the contract from XX/XX/XXXX, I would have been charged over a thousand dollars which I would not have been able to recover. There is clearly a problem with the dispute process when a company can just say that the charges are authorized and be allowed to keep the funds. It was my understanding that companies actually have to prove that they have the right to access your card and apply charges to it. The company in question didn't have a signature or contract allowing them to do this. In fact, they did not appear to even have the full credit card number. As a result, they could have easily pulled my credit report ( based on my SSN ), found the last four digits of my account number, and then charged me based on that information.
Company Response: Closed with explanation

Timely Response

2018-02-17

Fort Lauderdale, 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

2018-02-15

Palmerton, PA

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

2018-02-15

Three Bridges, NJ

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

2018-02-15

Topeka, KS

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-02-15

Tucson, AZ

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. My fianc used his debit card to pay for the deposit and we were shortly on our way. Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
Company Response: Closed with explanation

Timely Response

2018-02-15

Rncho Domingz, CA

Incorrect information on your report

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

Account status incorrect
Complaint: Discover Card has been reporting an account that I'm listed on as an " Authorized User '' as being CLOSED/TERMINATED yet the account is " OPEN '' and this is in error. The Primary Cardholder has on several occasions communicated with them that this is in error.
Company Response: Closed with explanation

Timely Response

2018-02-14

Detroit, MI

Confusing or misleading advertising or marketing

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

Complaint: Lost information and someone using my information and I was told that I was decease
Company Response: Closed with explanation

Timely Response

2018-02-14

Grosse Ile, MI

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 explanation

Timely Response

2018-02-14

Bluff Estates, SC

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Company Response: Closed with explanation

Timely Response

2018-02-14

Arden Hills, MN

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-02-14

Penn Yan, NY

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

2018-02-13

Bremen, GA

Closing your account

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

Company closed your account
Complaint: Hello, Discover Credit Card closed my account on XX/XX/XXXX. I have been a loyal customer with them since XX/XX/XXXX. 8 YEARS of loyalty. I called the morning of XX/XX/XXXX asking if there was any way to re-open my account since it had not even been 24 hours since they had closed the account. They advised me there was nothing they could do. Told me I could re-apply and I replied back asking how that was going to help me. It is pretty disheartening that a company would treat their loyal customers like this. From forums I have read online, people have been successful re-opening their accounts with Discover. I am hoping that Discover will reconsider and allow me to reinstate my account. Thank you.
Company Response: Closed with explanation

Timely Response

2018-02-13

Hoard, TX

Other features, terms, or problems

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

Other problem
Complaint: Discover card willfully misrepresented their intentions in order to obtain payment on my account.On XX/XX/XXXX Discover card called me and stated that if I made a payment that day that it would prevent my account from being suspended. I agreed and made the payments as promised. On XX/XX/XXXX they suspended my account contrary to our agreement. Discover misrepresented and lied in specifically to deceive me. I called Discover and they acknowledge that they misrepresented their collection process but was unwilling to offer any resolution. I understand I owe the money and was working to keep them in good standing but I question the legality if not ethics of intentionally lying to the consumer.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Arenzville, IL

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