DISCOVER BANK

2018-02-09

Cleveland, OH

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

2018-02-09

Brock, TX

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

2018-02-09

Itasca, IL

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: My elderly father phone number was contacted he was told i owe Discover it scared him and Im embarrassed
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Short Hills, NJ

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

Royal Oak, MI

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 explanation

Timely Response

2018-02-09

Broadmoor Vlg, CA

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Eatontown, NJ

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-02-08

Sandy Hook, CT

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX, I was in debt. In XXXX Discover credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked Discover to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with Discover. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very XXXX. The last time I went to court I was basically bullied into a payment agreement with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by XXXX XXXX XXXX, XXXX. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XX/XX/XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
Company Response: Closed with explanation

Timely Response

2018-02-08

Sugar Land, TX

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

2018-02-08

Walden, CO

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: The following complaint involves fraudulent charges on my Discover credit card. On XX/XX/XXXX DiscoverCard texted me through their DISCOVER FREE MSG service asking whether I made a purchase at XXXX XXXX for XXXX . I did not make this purchase and texted " STOP '' to hold my discover credit card account. I believed that I misplaced my wallet inside of my apartment sometime in the previous week but this prompted me to believe that my card was stolen with my wallet. I made a police report regarding my stolen wallet with officer XXXX XXXX of the XXXX Police Department the week of XX/XX/XXXX. Although I discussed my stolen card with officer XXXX he only opened a case for the stolen wallet : case # XXXX ( XXXX XXXX Police Department later opened a separate case specifically for the fraudulent activity, on XX/XX/XXXX with case number XXXX ). During the week of XX/XX/XXXX ( I don't remember the exact date ) I spoke to a Discover representative on the phone to discuss which charges were fraudulent. The story of how my card was stolen and my interactions with Discover agents follow. I went to my local grocery store ( XXXX XXXX XXXX ) on XX/XX/XXXX and bought my groceries for the week which usually total around 60 . Upon seeing my statement following Discover 's text, I realized there were many charges at XXXX XXXX on this date. This prompted me to believe that I left my wallet at this XXXX XXXX after buying my groceries and someone had picked it up and used my DiscoverCard. So when I talked to the Discover agent I claimed that all purchases at XXXX XXXX on the XXXX were fraudulent except a charge for XXXX $ because that is what I thought I had bought at XXXX XXXX on that day. I further claimed that all charges from the XXXX through the XXXX were fraudulent as the person who stole the card used it at a variety of other locations and for amounts hundreds of dollars higher than I typically spend. I have attached a screenshot of my statement from this period where I claimed all charges from the XX/XX/XXXX to XX/XX/XXXX were fraudulent. Discover started an investigation into my fraud claim in the next couple of days and an agent called me back and informed me that the XXXX $ purchase occurred after a XXXX $ purchase at XXXX XXXX that I had claimed as fraudulent. Since I knew I couldn't have made the XXXX $ purchase after my card was stolen, I changed the XXXX $ charge to fraudulent. Discover completed their investigation during the final week of the year and called me to inform me that I would be held liable for all charges that I claimed were fraudulent for the following reasons : 1 : I continued to shop at my local XXXX XXXX where the fraudulent charges occurred with my new DiscoverCard. 2 : They claim that I changed my story by changing the XXXX $ charge to fraudulent even though I only did because the Discover Agent convinced me to because it took place after the other fraudulent charges. I had Discover re-open the investigation because I believed that these were completely ridiculous reasons for holding me liable. They completed the second investigation this week of XX/XX/XXXX, where they again found that I should be liable for these charges. I believe DiscoverCard lakes any form of integrity by trying to make me pay for charges that are obviously fraudulent as their computer program flagging the charges as potentially fraudulent was the reason that I realized my card had been stolen in the first place. DiscoverCard is holding me liable for all charges from XX/XX/XXXX through XXXX despite the fact that this is a XXXX $ fraud liability card and the charges were made at a wide variety of locations ( including the XXXX XXXX grocery store close to my apartment ) and for amounts that I don't typically spend. Furthermore, I complied with all steps of their investigation, including filling a police report.
Company Response: Closed with explanation

Timely Response

2018-02-08

Sebring, FL

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I was called on XX/XX/XXXX17 by a XXXX XXXX XXXX from Discover card services. He informed me that I had overpaid Discover card services too much interest over a 10 year period. I was told that I was entered in a class action law suite and the Lawyers had already been assigned. My attorney was. XXXX XXXX XXXX and he would be representing me. I was also told he would have to speak for me. I did agree. XXXX XXXX told me I would receive XXXX.I was told that I would receive this money in 30-to-45 days.He also gave me a phone number of XXXX.Ext XXXX. He then told me that I could cak call any time and someone would answer.He also gave me an external bank account number good XXXX. No bank name. He also stated if I got a bill not to pay it. Discover did a balance transfer to XXXX XXXX XXXX. I am now receiving a bill which I am trying to pay. I am XXXX years old and living in a fixed income.
Company Response: Closed with explanation

Timely Response

2018-02-08

Ocean City, MD

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.
Company Response: Closed with explanation

Timely Response

2018-02-08

Vancouver, WA

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2018-02-08

Independence, MO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-02-07

Millville, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you owe on your Discover Personal Loan as shown above. You can resolve this by calling us to make acceptable payment arrangements. If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. Sincerely, XXXX XXXX Operations Director Discover Personal Loans
Company Response: Closed with explanation

Timely Response

2018-02-07

Atlanta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...
Company Response: Closed with explanation

Timely Response

2018-02-07

Franklin, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-07

Davie, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with monetary relief

Timely Response

2018-02-07

Chino Hills, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Company Response: Closed with monetary relief

Timely Response

2018-02-07

Mayfield, KY

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 non-monetary relief

Timely Response

2018-02-07

Brooklyn, NY

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: After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).
Company Response: Closed with explanation

Timely Response

2018-02-07

Coosada, AL

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

2018-02-07

Tampa, FL

Closing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-07

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

2018-02-07

Eddyville, NY

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: I received my XXXX report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.
Company Response: Closed with explanation

Timely Response