DISCOVER BANK

2017-12-20

MO

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-20

Cheverly, MD

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

2017-12-20

Katy, 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
Company Response: Closed with explanation

Timely Response

2017-12-20

Verga, NJ

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

2017-12-20

Diamond Bar, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-12-20

San Francisco, NM

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2017-12-20

Fort Lauderdale, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2017-12-20

Fairhope, OH

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2017-12-19

Brockton, MA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.
Company Response: Closed with explanation

Timely Response

2017-12-19

Bayside, WI

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2017-12-19

Gastonia, NC

Fees or interest

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

Problem with fees
Complaint: I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.
Company Response: Closed with explanation

Timely Response

2017-12-19

Pottstown, PA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2017-12-19

Chula Vista, CA

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2017-12-19

Inglewood, CA

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2017-12-19

Chicago, IL

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 non-monetary relief

Timely Response

2017-12-19

Altadena, 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
Company Response: Closed with monetary relief

Timely Response

2017-12-18

Chestnut, NJ

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

2017-12-18

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-18

Manhattan, NY

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2017-12-18

Wickenburg, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-12-18

Jacksonville, 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
Complaint: I requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.
Company Response: Closed with explanation

Timely Response

2017-12-18

Federal, CA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-12-17

GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Company Response: Closed with explanation

Timely Response

2017-12-17

San Antonio, TX

Trouble using your card

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

Can't use card to make purchases
Complaint: Inflated amount used on card. Actual amount spent is XXXX. Card is XXXX higher than would is actually spent. In addition to rerouted statements and inflated bills.
Company Response: Closed with explanation

Timely Response

2017-12-16

Leeton, UT

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.
Company Response: Closed with explanation

Timely Response