DISCOVER BANK

2017-12-16

Salton City, CA

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Told me it will fix my credit but denied me still and waisted my time I need to be having my credit fixed with real reasons of why I should have stuff in my credit
Company Response: Closed with explanation

Timely Response

2017-12-15

Chicago, IL

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
Complaint: I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. I feel rejected and I feel left behind moments like this is wen I need help the most.
Company Response: Closed with explanation

Timely Response

2017-12-15

Canton, 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

2017-12-15

Irving, TX

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I am having discover credit card for years now. During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX during XX/XX/2017
Company Response: Closed with explanation

Timely Response

2017-12-15

GA

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
Complaint: Submitted XX/XX/XXXX Typed XX/XX/XXXX: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PH:. XXXX PH: XXXX EM: XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS#: XXXX TO: * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I've received more than one email from Discover Card in my XXXX XXXX, past emails from Discover Card were unautherized deletions. From: Discover Card XXXX To: You XXXX Date: XX/XX/XXXX, XXXX XXXX XXXX From: Discover Card XXXX> To Recipient Date Mon, XX/XX/XXXX XXXX XXXX I dont and havent ever had a Discover Checking, Savings, Business Accounts nor Loans of any kind through any Bank called Discover. The 1st time I was contacted by Discover Card I resided alone from XX/XX/XXXX to XX/XX/XXXXat XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX years prior to me moving here to XXXX, XXXX in XX/XX/XXXX. When Discover Card had 1st contacted me in XXXX, XXXX it was associated with my XXXX XXXX XXXX website related online Merchants Account. Not once have I ever applied for or had any Website Merchant Accounts here in XXXX; I only applied for online online Merchant Accounts associated with my XXXX related Accounts I purchased while residing in XXXX, XXXX. Some of my website related information was stolen both in XXXX, XXXX and here in XXXX along with my other property that hasn't been returned to me. I don't and haven't ever had any XXXX XXXX related Agreements,Contracts or Credit Cards offered to Veterans associated with ones businesses. Nor have I ever applied for or had a Business License or Business Permit in any City or State inspite of my diverse interest. Not once have I ever allowed another be it an Paralegal, Payee, Attorney, Employers, Landlords, Veteran Organizations including Vocational Rehabilitation Programs, XXXX( XXXX XXXX XXXX, XXXX XXXX, Entertainment Companies, Banks, Celebrity Personal Assistant Agencies or Celebs, Shelters, Charities, HUD, Housing Arthority, Department of Veteran Affairs, Military, Law Enforcement or anyone else nor their employess to sign any business related Agreements or Contracts on my behalf; not even my family members or friends. None of my XXXX XXXX attempts were associated with my Employers, Department of Veteran Affairs,Vocational Rehabilitation Programs Military, Landlords, HUD( Housing Authority),Friends, Family nor did I ever sign related Agreements or Contracts with them. Not once had I ever provided anyone the passwords to be able to sign into my accounts rather were aware of my accounts or not. Yes, my desktop computer that was stolen along with my other property XX/XX/XXXX was registered with my Online Merchant Account. I had paid for my Merchant related Accounts through my same XXXX XXXX XXXX Account I purchased both of my XXXX XXXX XXXX related accounts through. That was 1st once during the Summer of XX/XX/XXXX and 2nd my related website months later, while I resided in XXXX XXXX and I worked for XXXX. I never offered nor did I ever sign any business Contracts or Agreements with XXXX nor my Landlord or their staff associted with any of my online websites or Merchant Accounts. My XXXX XXXX XXXX Compensation was deposited into both of my XXXX XXXX XXXX Accounts at that time. My account was changed during the Summer of XX/XX/XXXXbecause of theft of my Bank Card. None of my Checking,Savings, past Credit Cards or Business related were shared accounts in which others were allowed to use to make purchases. I had written checks from my XXXX XXXX XXXX account to pay for my XXXX XXXX XXXX XXXX on the XXXX XXXX here in XXXX in XX/XX/XXXX before it's name changed to XXXX XXXX. Prior to me using my same account open a Checking account in person at XXXX XXXX before it's name was changed to XXXX XXXX. Where my XXXX XXXX XXXX XXXX has been deposited since that time. I had used my XXXX XXXX Checking to pay for my XXXX XXXX XXXX XXXX both before theft of my property XX/XX/XXXX and that was also prior to the theft of my property from my XXXX XXXX XXXX XXXX in XX/XX/XXXX. I've stated this many times: I paid for my 1st XXXX XXXX XXXX Membership while employed at XXXX using my XXXX XXXX XXXX account XXXX my XXXX XXXX XXXX XXXX was also deposited. That was changed to XXXX because I didn't receive my 1st XXXX XXXX XXXX Card the bank sent to XXXX XXXX residence on XXXX XXXX in XX/XX/XXXX while I was there. In which both my XXXX salary and XXXX XXXX XXXX XXXX were deposited into my account, no money from XXXX XXXX nor anyone else that was at that residence was given to nor were any of my children there. Nor did XXXX or any other person at that residence ever give me my missing Bank Card not even after I moved out and stayed a month at XXXX XXXX XXXX using my replacement card to pay for my Hotel room. Which is the same account I used to pay for XXXX XXXX Membership, XXXX XXXX XXXX, XXXX XXXX Membership fees, and various online Merchant Account activation related fees. * XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Membership # XXXX * XXXX XXXX Membership # XXXX * Total Merchant Services XXXX and XXXX. * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX changed my $XXXX a month fees to my XXXX XXXX XXXX account #XXXX. XX/XX/XXXX - XX/XX/XXXX XXXX XXXX, XXXX. Rep: XXXX XXXX XXXX, Fl XXXX XXXX Website XXXX Software and website owner, I performed Internet advertising and marketing, to promote this software and website. I worked and XXXX from my home XXXX XXXX XXXX XXXX XXXX , XXXX. I purchased XXXX XXXX XXXX-Software Electronic Book CD and was given a website to promote the software on the internet. The XXXX was given a copy of my website owner certificate document submitted to me when I purchased the software marketing program as well copies of my other school transcripts in addition to XXXX XXXX XXXX for example. XXXX, represented the first initials of my children's names. I wasn't ever paid and I'm still owed the money. Nor did my marketing program have anything to do with any schools, college nor university programs nor did I ever offer or sign any agreement to include it such. Nor did my XXXX XXXX XXXX have anything to do with any other employers, Department of Family and Children, Military, Veteran Organizations or Food Stamp programs, Section 8 nor Indianapolis Housing Authority for example; only me. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-12-15

Yeagertown, PA

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2017-12-14

Lenzburg, IL

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

2017-12-14

Bath, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-14

Bath, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-14

Phoenix, AZ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-12-14

Topeka, KS

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

2017-12-13

Kingstree, SC

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-13

Adams, NC

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

2017-12-13

Schaumburg, IL

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

2017-12-13

Las Vegas, NV

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

2017-12-13

Los Angeles, CA

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

2017-12-13

Louisa, VA

Getting a credit card

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

Problem getting a working replacement card
Company Response: Closed with explanation

Timely Response

2017-12-12

Mill Valley, CA

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

2017-12-12

Albuquerque, NM

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

2017-12-12

FL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).
Company Response: Closed with monetary relief

Timely Response

2017-12-12

South Florida, FL

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: It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. Inaccurate : Discover Bank
Company Response: Closed with explanation

Timely Response

2017-12-12

Bloomfield, 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

2017-12-12

Damascus, OR

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2017-12-12

Las Vegas, NV

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-12-12

Uniontown, OH

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