DISCOVER BANK

2018-02-13

Jonesboro, AR

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service

Company Response: Closed with explanation

Timely Response

2018-02-13

Finksburg, MD

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

2018-02-13

NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
Company Response: Closed with explanation

Timely Response

2018-02-13

Rochdale, NY

Closing your account

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

Company closed your account
Complaint: Discover closed both my credit card accounts with no notice and no reason. When I called they said it was a " business decision '' and I would like my accounts opened backed up. I have a savings account with them and I feel I have been mistreated when I had over $ XXXX in a savings account for most of last year.
Company Response: Closed with explanation

Timely Response

2018-02-13

Brooklyn, 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

Was not notified of investigation status or results
Complaint: I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Company Response: Closed with explanation

Timely Response

2018-02-13

And, SC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2018-02-12

Glendale, AZ

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-02-12

Charlotte, NC

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

2018-02-12

Val Verde, 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: Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Nashua, NH

Fees or interest

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

Charged too much interest
Complaint: Subject : This is a XX/XX/XXXX ( 60 day ) Response to the CFPB target Companys Answer dated XX/XX/XXXX to this Complainant filed on XX/XX/XXXX Against Discover Claiming Breach of Contract to Significantly Reduce the Interest Rate on the this Complainants Credit Card from 24 % to 12 %, as agreed by the Discover Rep during the phone call with this Complainant on XX/XX/XXXX, at which time the balance on the card was about {$10000.00}, an amount both parties have agreed upon from that date ( in XX/XX/XXXX ) up to the present. The parties also agree that this debt was entirely owed by this Complainants employer, XXXX XXXX XXXX XXXX XXXX 1. Specifically, both parties agree that this card was used, billed and paid monthly from XX/XX/XXXX until XX/XX/XXXX, and that the most recent ending balance on the Discover statement dated ( on or about ) XX/XX/XXXX, was {$6400.00}, and that the interest rate on that month-end card billing was 23 % ( i.e., shortly before this complaint was filed ) 2. Both parties also agree that the balance owed Discover on XX/XX/XXXX was {$10000.00}, and that the interest rate on the card was entirely for cash advances and further, that both parties also agree the XX/XX/XXXX statements generally had reflected a billed annual percentage of 30 % - including the statement that was sent on that date to the debtor of that balance the employer of this Complainant, XXXX XXXX XXXX XXXX, XXXX ( See the General Ledger 1-page XXXX XXXX XXXX XXXX debtor monthly transaction postings listing based on the monthly Discover Statements postings regularly verified by the companies CPAs for inclusion in the companys financials published to the world in the SEC reports - including the credit card ending in # XXXX amounts in those reports, covering the period from XX/XX/XXXX to XX/XX/XXXX and reflecting a lower average annual interest rate of 24 % for the two months ending on that date, and continuing until the present. Also, the mailing address for the monthly Discover statements was switched back to the This Complainant home address later in the summer of XX/XX/XXXX. ) 3. The only material disagreement between this Complainant and Discover is what was offered and accepted by the two parties between each other forming a contract - in the phone call both parties agree was made on ( or about ) XX/XX/XXXX, and who initiated the call, and why that person made that call. I claim Discover initiated the 1st call - to collect a missed payment. Discover claims I called Discover to tell them I sent a double payment. 4. This Complainant during the 1st six months of XX/XX/XXXX was in the process of resolving over {$300000.00} owed to over 66 creditors of the company ( that had ceased all operations ) and where I had terminated all the employees ( including myself ). With less than {$100000.00} in personal assets readily available at that time to satisfy all the unpaid company creditors, it was very difficult to stay on schedule with the very small number of creditors ( like Discover ) who I would continue to pay timely out of my own pocket - for the following nine years. 5. On XX/XX/XXXX I was called by Discover and told that the payment of about {$290.00} that was due about 20 days earlier ( i.e., it was due on XX/XX/XXXX ) had not been sent, and that there was concern that the next payment ( for another {$290.00} ) would not be sent and received at Discover by XX/XX/XXXX. The rep then told me that if I would send a double payment ( of about {$580.00} ) via priority mail ( costing about {$4.00} and delivering the check to Discover within 3 days ) that Discover would reduce the current interest rate on the card ( of over 23 % ) to only 12 %. 6. My answer to the rep was that I would send the {$580.00} immediately - and the next day I did exactly what I agreed to do. ( See the attached PDF copy of the check I wrote to the local post office for {$4.00} and dated XX/XX/XXXX. Also see the enclosed XXXX XXXX XXXXXX/XX/XXXX, XXXX, Ledger Postings Report item dated XX/XX/XXXX referred to in paragraph # 2 above - where the company check # XXXX was issued for {$580.00} so that I could mail it the next day. ) 7. The XX/XX/XXXX letter from XXXX at Discover reports a story that XXXX was not able to document, and that is contradicted by the facts that are confirmed in the documents attached to this response. XXXX response indicates that I called Discover to report that I had sent a check for {$580.00} on XX/XX/XXXX. Discover called me for a missed payment. It is unreasonable to suggest that I would send a double payment and spend ten times as much as a 1st class mail stamp - for a three-day delivery - without calling Discover first and asking if that would reduce my interest rate by over 50 % over the coming 5 to 10 years. I did not know we had completely missed sending the payment due on XX/XX/XXXX until I got the call from Discover on XX/XX/XXXX. Why would I write a check on XX/XX/XXXX for a payment that I didnt even know we had totally missed sending about four weeks earlier? 8. XXXX also indicated that in the XX/XX/XXXX, call I was told that the two APR interest rates for purchases and cash advances were both being reduced by 4.25 % - but I received no such information on how the two-transaction types would be driving my interest rates - from the rep I talked to in XX/XX/XXXX. In fact, I was unaware that my rates had gone up by over 4 % in the first half of XXXX until I received XXXX letter dated XX/XX/XXXX nearly eight years later. ( Also see the 2 columns added at this time - to the far right side of the 1-page ledger PDF file - of the XXXX XXXX XXXX Report transactions listing also referred to in paragraph 2 above. ) 9. Finally, XXXX letter also indicates that I called Discover in XX/XX/XXXX, but my recollection was that I called in XX/XX/XXXX, because the XX/XX/XXXX statement did not reflect the interest rate reduction to the 12 % I was promised in the XX/XX/XXXX call from Discover. 10. I also clearly remember being told ( in XX/XX/XXXX ) that there was no record that any promise of a rate reduction to 12 % on my total balance had ever been made to me by Discover the previous month ( and that there was no discussion of the rates for neither purchases nor cash advances ). In summary, my recollections of who called who, and what was said, and why, are reasonable - and are also confirmed by my documentation - which I believe contradicts the unreasonable claims made by the Discover Executive in his XX/XX/XXXX letter to me on this subject. It is requested that the CFPB order Discover to refund the excess interest charged me between XX/XX/XXXX, and XX/XX/XXXX, a total in cash of {$11000.00}, since I paid the {$6400.00} balance on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-02-12

Aurora, CO

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-02-12

Desoto, TX

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 non-monetary relief

Timely Response

2018-02-11

So Effingham, NH

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

2018-02-11

Wilm, NC

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

2018-02-11

Boulder Hill, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2018-02-10

Brooklyn, NY

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 recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Company Response: Closed with explanation

Timely Response

2018-02-09

Washington, DC

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

2018-02-09

Jupiter, FL

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Complaint: Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.
Company Response: Closed with explanation

Timely Response

2018-02-09

CA

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: My Discover Credit Card was lost or stolen and unauthorized charges were made using my card. I timely reported to Discover and was very cooperative with their investigation, even named them persons when they asked about people that had recently visited my house. They closed the account and sent me a new card. However, from thereon, they started bothering me with frequent calls demanding aggressively to file police report on people whom I may suspect in stealing my card or just go to police and file report regarding lost card. Their representative named XXXX keeps rudely interrogating me demanding " yes '' or " no '' answers to her questions, and blackmailing me saying that if I did not file police report then I would be responsible for those not-authorized charges. I doubt that such a demand is legal. I am XXXX, suffering from XXXX XXXX XXXX and have XXXX XXXX. Their rude and aggressive demands negatively affect my health.
Company Response: Closed with explanation

Timely Response

2018-02-09

PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Atlanta, GA

Getting a credit card

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

Delay in processing application
Complaint: Discover is a card company who process application for applicant who are in need of credit. Discover is falsely advertising that they have millions of dollars to offer consumer ( s ) who qualify for instant credit. My complaint is against Discover card and the card company ' affiliates.
Company Response: Closed with explanation

Timely Response

2018-02-09

River Corners, OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
Company Response: Closed with explanation

Timely Response

2018-02-09

NY

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: This is not a complaint per se but a concern of a loyal Discover credit card customer. In XX/XX/XXXX, I was fortunate enough to have gotten an approval from Discover for a small limit of {$1000.00} between that time to now, I have only received a small increase to where it sits now at {$2300.00}. This card was or used to be my daily card which I used the most as I really like the ease and straight forwardness of the application which makes it easy for me to stay on top of my finances. Fact of the matter, I even opened a checking account with Discover Bank so that I can budget and pre-allocate money to ensure that I pay my Discover bills on time, as I hardly keep a balance on the card. Since XX/XX/XXXX, I have reached out to Discover and have asked them if I could request for an increase, and was turned down each time stating " Insufficient Experience with Current Discover Card Credit Limit '' which is vague to me since in the last year since having the card, I have used, spent and paid them a total of {$3000.00} on the card, you will see that on the documents I have enclosed for your review. I guess what I am trying to understand is, if the spend that I have put in the card is above 100 % of the Credit limit they approved me for, what makes it Insufficient experience for them? Do I need to spend more for them to consider me for an increase. Do I need to spend less? The word Insufficient Experience is vague and there is no rhyme nor reason in my honest opinion. Denial reasons should also aim to educate and offer suggestions to the card member as to what they can do to make themselves eligible for a future increase. I have reached out to their EO via email and did not get any response at all. I called their lending, and have always been met with agents who frequently just shut me down with absolutely no offered resolution other than the feeling that " We don't like you, so deal with it ''. Actually back in XX/XX/XXXX, I have contacted the EO and spoke to a nice man " XXXX '' I believe was the name. And I joked and told him, " Maybe Discover doesn't like me '' and was surprised when he answered me back " Well, you can say that '' and further expounded that there are just accounts that they monitor and review more frequently than others. Then if that be the case, what makes me lesser in their eyes. I've used them and paid my bills and never missed a payment. My scores aren't perfect, but they aren't bad either. I could not help but compare myself to some mutual friends that I've referred to Discover and we all have slightly identical profiles. I referred them to Discover to give them more business, and these people i've referred have far outgrown me in terms of my growth with Discover as a card member. And that is sad, since, I could not think of anything that I did wrong, I have to the best of my ability, abided by the Terms and Conditions that I have signed up for. So what makes me less of a likable profile than others? When they give other customers, some newer than I bigger and more frequent credit line increases. And I am upset because I like the card, I like the company, but it seems to be a one way love affair and they hardly don't want anything to do with me. So all of my efforts meant nothing to them, even to do a manual review of the account since I am already turning a year in XX/XX/XXXX. Not once did they give me any automatic increases unless I had to prompt it myself and with small small increments. Perhaps they can outline for me what I need to do, to get into their good graces and educate me so that I may qualify for a bigger credit limit increase. I have attached a copy of the Denial letter, my credit score as it shows on my Discover account since they pull XXXX every month. And the year end report which shows the total spending and payments I have made using Discover. I hope that they can be less biased and be more considerate and open to others, honestly, every time I call them, I always get a very unwelcoming feeling from any person I have spoken to. So I hope they would be less biased and if they really can not increase my limit then tell me exactly why and just don't tell me it's because of Insufficient experience when I have used them and paid them each month. Hoping for a resolution to this concern. Thank you
Company Response: Closed with explanation

Timely Response

2018-02-09

Neptune, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-09

Addison, IL

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with non-monetary relief

Timely Response