DISCOVER BANK

2018-01-16

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit. I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
Company Response: Closed with explanation

Timely Response

2018-01-16

Philadelphia, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: XXXX XXXX XXXX is suing me in a state I no longer live in, represented by XXXX, XXXX, XXXX XXXX, XXXX. I was unable to appear in court in XXXX, IL, as I live several states away in XXXX, PA. I notified the lawyer of the change of address and they continued to pursue legal action, knowing that if I did not appear in court, they would receive a judgement against me. I have not received any mailings since moving and am only aware of updates to the case via the court lookup website.
Company Response: Closed with explanation

Timely Response

2018-01-16

Springfield, MO

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-01-16

Bowling Green, KY

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-01-16

New Cumberland, WV

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: This is an unknown authorized inquiry reporting on my credit report Discover Bank XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Discover Bank XXXX XXXX, 2016 Unknown inquiry, please delete
Company Response: Closed with explanation

Timely Response

2018-01-15

Scottsdale, AZ

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

2018-01-15

Kissimmee, FL

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

2018-01-15

NY

Closing your account

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

Company closed your account
Complaint: Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!
Company Response: Closed with explanation

Timely Response

2018-01-15

Rncho Domingz, 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: In 2017, Discover Cards started airing a promotion and still have a promotion on its Discover IT card, that states no late fee charged if a payment is missed. I saw this on the TV and called to confirmed the advertisement with a Customer Service representative that confirmed that it advertisement was accurate. I asked if this I could use it and it was affirmed that I could. I soon learnt the hard way that their advertisement was not accurate. Following using the purported information of the advertised promotion but line of credit was decreased. Immediately I called to inquire why my credit was reduced and I was told that it was due to missed payments. You see I have been a customer for over 17 years. For the past 5 years, I have been paying down my balance on the card. With a credit line of XXXX, my balance in 2017 was about {$6500.00} which I was looking to pay down. I was dismayed when I realized that they not only decreased by card from {$16000.00} to {$6500.00}. Following the decreased Discover card, representative started contacting me that my balance was close to my credit limit. What were they expecting? When an organization reduces a customer 's line of credit to a few hundreds close to what they owe obviously the balance due would be close to the available line of credit until the balance is paid down. I am requesting your assistance to have Discover Cards stop its false misrepresentation/ false advertising as it is not exactly what it confirmed to the customers. Also, Discover Ad is misleading and once a customer uses their deceptive ad they are charged late fees contrary to what the customer was made to understand would be the outcome. In addition, I am requesting that all the late fee charge be reversed. And, I should be put in a position I would have been should I have not used this promotion that stated no fee charge for missed payment. I can be contacted on at XXXX XXXX XXXX XXXX Thanks for your immediate assistant. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-01-15

TX

Other features, terms, or problems

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

Privacy issues
Complaint: Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.
Company Response: Closed with explanation

Timely Response

2018-01-15

Bronxville, NY

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

2018-01-15

South Florida, FL

Fees or interest

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

Charged too much interest
Complaint: I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR. Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-01-15

Cooper, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-01-14

Northside, NC

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. I also sent written notification to Discover Card to cease and desist from all forms of communication with me. I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.
Company Response: Closed with explanation

Timely Response

2018-01-14

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''
Company Response: Closed with explanation

Timely Response

2018-01-14

FL

Incorrect information on your report

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

Account status incorrect
Complaint: In XXXX 2018 I received an alert from my credit monitoring app that my discover student loans was 2 mths past due. I immediately called discover and Notified them of the report. They said that was an error and their part and that the two loan amount were n't allocated properly. They promised they would notify the creditors. A week later it was reported that indeed the accounts were in good standing and never paid late. On XX/XX/XXXX I received another alert from my monitoring app that my student loan was 30 days past due. I have never paid late and they have continued to cash the checks I send every month. This has affected my credit score in the worst possible way. My score has dropped 70 pts which is crippling my ability to obtain any loans
Company Response: Closed with non-monetary relief

Timely Response

2018-01-13

Oakland, 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

2018-01-12

Staten Island, NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-12

Manhattan, 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

2018-01-12

Houston, TX

Other features, terms, or problems

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

Other problem
Complaint: Dear Discover Card Services Team, I would like to initiate a complaint in regards to recent information that was erroneously and negligently given to me by the Discover team, which led me reach very high levels of debt with my Discover Credit Card, which unfortunately change my course of decisions related with this matter. My name is XXXX. and until recently, I truly never had any issues with my credit card, my limits or even my credit score. I have a friend that has owed me money for the past couple of years. Because my house sustained damages during the most recent Hurricane Harvey in XXXX, TX where I live and since he is currently living outside of the United States. He suggested paying me back using my credit card debt I had with Discover CC on the last month of XX/XX/XXXX. Since I am not an expert in financial matters, I contacted the Discover Call Center on Sunday XX/XX/XXXX and spoke with XXXX, I explained to him the situation I was in. He agreed that I should and could give my friend my credit card number in order for him to make payments on my behalf to my account. He placed comments and notes to document on my file in case anyone wanted to review my case or update any information. At this point, I called my friend and gave him my card number and he made a full payment of my Credit Card debt for {$9600.00} on XX/XX/XXXX, which Discover acknowledge received payment through email on the XX/XX/XXXX. My CC limit was {$10000.00}. Because everything was pay off but I still did not have any cash to fix my house, my friend suggested to request cash advanced to get some cash, not only for me but also for him since he does not have either access to any cash. On Sunday XX/XX/XXXX, I called Discover again and I spoke with XXXX from Illinois, I explained to her that my friend had paid all of my CC debt and again she confirmed my XXXX balance, so I told her my plan of requesting a total of {$20000.00} cash advanced in 4 weeks time to get cash to fix my house ; she placed me on hold for a bit, only to return a few minutes later to inform me that everything had been approved. She even made comments of casual nature, stating how nice my friend was, which put me even more at ease. She provided the XXXX XXXX XXXX information in XXXX where I could go and get the first {$5000.00} cash advanced out of my {$5500.00} cash advance permitted on my credit. After I explained again to XXXX my intentions and she stated that she could see the previous comments and notes on my account and that she was also documenting the new cash advanced authorized and approved for me to proceed. At this point I still felt secures and protected because Discover had approved and authorized the transactions and everything was documented on my file. I received the first cash advanced on XX/XX/XXXX, after XX/XX/XXXX. My friend transferred money from his account on XX/XX/XXXX in order to satisfy the payment of the first cash advance. Later that same week I called yet again, to verify that everything was in order. I spoke with operator and additionally I received a confirmation email from Discover stating payment of the amount of {$5400.00} had been received and postdated on XX/XX/XXXX under confirmation number : XXXX and that it had been applied to my CC account. It was my first cash advance for the amount of {$5000.00}, plus the {$250.00} cash advanced fee and {$220.00} doctors appointment payment. Up to XX/XX/XXXX Discover have not said anything else about the first payment made on my CC on XX/XX/XXXX from my friend. The following week on Monday XX/XX/XXXX I went again to XXXX XXXX XXXX to get my second cash advanced approved transaction for {$5000.00} plus the fees and {$2400.00} medical payment for a total of {$7600.00}, which I also received an email from Discover that it has been paid under confirmation number : XXXX. Not happy with only the email I contacted Discover again and again I was informed the payment had been received and the payment had been applied to my account. On XX/XX/XXXX I went to the XXXX store and tried to ship a package and my Discover Card was declined, even though I had recently received a statement that my Credit Card account balance was {$0.00}. This was a complete surprise to me since nobody has called, texted or emailed me. Upon returning to my office, I call the Help Center and my call was transferred to Verification, which was answered by operator called XXXX. He was extremely rude and condescending, and after speaking to him for a few minutes it was obvious to me that he didnt even read the notes and comments on my file that apparently everyone else had access to. He did not even know that I was not me making the payments from my own account. He treated me like I was a delinquent and he demanded that my friend should get in touch with them to verify his accounts. I would ask you that you review this conversation, even if its for training purposes. I can assure you that I have never experienced this kind of service or treatment from any customer-facing company like Discover with whom I have impeccable records for a long time. I offer this gentlemen my friend phone number, which he refuses in a very mean way. A few days went by and nobody from Discover contacted me. However, I received a letter in the email stating that Discover can no longer satisfy my needs anymore and to please destroy the credit card and send back to them. If there was an issue with the first transaction and payment, how come Discover authorized the first cash advanced and furthermore the second cash advance was allowed? My credit limit would not have allowed for the first or second cash advance if they payment of {$9600.00}, have not been successfully received and applied the first time. Of course, I am shock. I have never done anything inappropriate nor illegal. When I was not sure of a proper course of action, I called your offices to seek guidance. If you review my file and listen to the recorded conversations for training purposes you will see that the only reason why I preceded with the cash advances was because the staff and leadership of Discover informed me it would not be a problem and it was approved. I will begin that payment of the starting balance of what my initial balance was {$9600.00}. However, I will be reaching out to other entities and private parties in order to look into this further. I feel misguided, mistreated and ultimately penalized for something that is not my fault. I have deposit to my friend the two cash advanced that he needed and I have physical prove of that in case Discover want to follow up the information. I felt everything was inappropriately managed and in a very negligent manner. I have sent this letter to Discover last XX/XX/XXXX and they interpreted as I want them to reopen my account, which is the least on my mind. I do n't want to deal with Discover ever in the future. But some how I am having difficulties making my payments for the high amount that I would n't have if they were checking and doing their job properly. I talk to a financial lawyer and after checking all the information he is assuring me that my case is a clear case of negligence from their side, since It would n't be possible to get any cash advanced since my CC limit was {$10000.00} only- Please advise since I lost all my confidence in the system. Thank you
Company Response: Closed with explanation

Timely Response

2018-01-12

Berkeley, NJ

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

2018-01-12

San Bernardino, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-01-12

Goldsboro, NC

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

2018-01-12

Dallas, TX

Problem when making payments

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

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2018-01-11

Oak Grove, MO

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
Complaint: ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. ILLEGALLY OBTAINED A COPIE OF MY XXXX CREDIT REPORT. I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.
Company Response: Closed with explanation

Timely Response