DISCOVER BANK

2019-10-10

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
Complaint: In Response to CFPB Complaint # XXXX " Discover is not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...
Company Response: Closed with monetary relief

Timely Response

2019-10-10

Houston, TX

Other features, terms, or problems

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

Problem with customer service
Complaint: Made a payment through XXXX and later disputed it with Discover. On XXXX, the claim is showing as CLOSED IN MY FAVOUR but on Discover, the claim is showing as ruled in merchant 's favor. I've shown Discover all of the necessary documentation and they are still refusing to give back the disputed amount ( > {$300.00} ).
Company Response: Closed with explanation

Timely Response

2019-10-10

Menifee, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Company Response: Closed with explanation

Timely Response

2019-10-10

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

2019-10-10

Oxford, GA

Other features, terms, or problems

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

Other problem
Complaint: I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.
Company Response: Closed with explanation

Timely Response

2019-10-10

Chestnut, NJ

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-10-10

Oxford, GA

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: On XX/XX/2019, I hired a XXXX XXXX company to remove a flying squirrel from my attic. The company was supposed to seal all entry points, retain the animal, place gutter guards to insure no re-entry was possible and lastly remove the contiminated insulation and replace it with new insulation. On XX/XX/XXXX, the animal had not been detained and the company started placing gutter guards damaging my gutters and my roof. I ultimately fired XXXX XXXX due to damages to my house. I then had to to hire another company, XXXX XXXX, to come in and do the work. XXXX XXXX, came, sealed the entry points, detained the animal, and started the insulation process. I was then billed by XXXX XXXX for {$3600.00}. I used my Discover Card and paid for the services in full, upfront. I disputed the fraudulent charges with Discover 3 times. I sent them pictures of the damages and Discover would not listen. Discover then sent me a letter stating the company was willing to decrease the bill {$790.00}. I continued to explain that the company failed to do as they had promised and damaged my house. I explained that the work was not done by XXXX XXXX but by XXXX XXXXXXXX and offered to send them a copy of the work orders received and paid to XXXX XXXX. Discover replied that they were trying to be fair to the Merchant and because they had shown written documentation ( fraudulent ) of the work being done by them they were entitled to be paid. They also stated that they would not accept 3rd party documentation ( an explanation and bill from XXXX XXXX ). They said the only way the charges would be reversed was if I got a letter from XXXX XXXX stating that they owed me money and didnt do the work. I have since cancelled my account with Discover, am in the process of filing a complaint with the XXXX XXXX XXXX, and a lawsuit against XXXX XXXX for fraudulent practices for not only is Discover billing me for their fraudulent services, XXXX XXXX is billing me for the fraudulent services, added on late fees, cancelation fees, and has reported me to a collection agency. Below is a summary of my experience with XXXX XXXX. ******I hired XXXX XXXX Removal to assist with a problem that I had in my attic. The company sent a representative out on XX/XX/2019 and it was deemed that I had flying squirrels. The company was supposed to trap the rodent, close the holes, remove the current installation, replace it with new installation, and place gutter guards. A contract was signed and paid in full via a Discover card. From XX/XX/2019 to the date that I had terminated the contract on XX/XX/XXXX. The following is a recap of my interaction with this company : 1. Unprofessionalism of the customer service representative. - Arguing with a customer about the wrong doing 's of a previous employee 's performance is unprofessional. Trying to explain that the poor performance displayed is as a result of former employee is unacceptable practices. In truth the original assessor ( XXXX ) exhibited the best work performance. - Agreed upon dates for work to be performed and completed not met. - Continued conversations about dates that are not available for the work to be performed and yet the work is scheduled on the times convenient for the office and the scheduler and not the customer. 2. Multiple conversations r/t arrival dates and times. Yet the service men showed to the residence with out knowledge that the appointment had been cancelled ( XX/XX/XXXX ). - On XX/XX/XXXX - Agreed the appointment was supposed to start between XXXX XXXX and when called to confirm a 2nd time the work was slated for XXXX and still one service man showed 1 hour after the other and the work still had not been completed. -The work that was performed was done on XX/XX/XXXX was poorly done. The gutters are pieced together and uneven. 3. The mouse traps places were only assessed twice since they were placed. 4. With each day of service wasted, I lose a days pay. To date, the original assessment date of XX/XX/XXXX was cancelled and rescheduled because of a conflict to XX/XX/XXXX. The work began on XX/XX/XXXX and needed to be continued. The service man showed on XX/XX/XXXX to complete the work but the weather was rainy, the ground was wet and unsafe and the area was too dangerous. I was okay with this rescheduled appointment. XX/XX/XXXX a service man shows only to find out that the work had been rescheduled and his assistant was sent to another job. On XX/XX/XXXX the appointment time for XXXX was scheduled for XXXX. The XXXX service man showed and the 2nd 1 hour later. After leaving and returning home I found the work to be incomplete and poorly/incorrectly done. The gutters were uneven and the nails sticking out. This is unacceptable. Thus, with great disgust and disappointment in this experience. I would again like my monies refunded, the work ceased immediately, and the materials returned to your company. I did get a return call from the owner demanding that I pay him. Again, I reached out to Discover and on many other occasions regarding these fraudulent charges and they refuse to listen stating they don't take invoices from 3rd parties. They reiterated that they believe this company has completed the work based on a fraudulent invoice they generated stating the work was completed. XXXX XXXX has contacted me numerous times trying to get me to pay even though Discover has already paid them. Discover should have not paid them because I reported it as fraud and I am not being double billed. I am in the process of reporting the company to the XXXX XXXX XXXX as well as I am pursuing legal action.
Company Response: Closed with explanation

Timely Response

2019-10-10

Clermont, FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.
Company Response: Closed with explanation

Timely Response

2019-10-10

Arvada, CO

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately. I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). The supervisor said a message regarding the error detailing the issue would also be sent to me. Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. I still cant access {$20000.00} and have no idea when it will be returned.
Company Response: Closed with explanation

Timely Response

2019-10-10

Canton, OH

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-10-09

OH

Closing your account

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

Company closed your account
Complaint: On XXXX, I received an email that my card account was closed. I called Discover customer service and they stated it can not be reopened and was closed due to inactivity. They attempted to transfer me to XXXX XXXX, who was closed and hung up on me. I called back was provided the number to that department directly. I called once they opened and was told the account could not be reopened. They stated it was closed on XXXX and a letter was sent that day advising me of same. The email I received on XXXX states it was closed effective the date of the email. Im receiving conflicting and wrong information from them. I just want my account reopened. Theyve closed it without notice which is bad business. Im a young consumer purchasing my first home. Closing my credit card can be harmful to my mortgage process.
Company Response: Closed with explanation

Timely Response

2019-10-09

Gaithersburg, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-09

Covington, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-10-09

Gloucester City, NJ

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-10-09

Five Points, NC

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: On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.
Company Response: Closed with explanation

Timely Response

2019-10-09

Gaithersburg, MD

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Company Response: Closed with explanation

Timely Response

2019-10-09

Simi Valley, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Company Response: Closed with explanation

Timely Response

2019-10-09

Arco, CA

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX, I noticed XXXX trying to charge me {$160.00} dollars for a Payment Protection Plan. Upon calling them and having the fee removed, I also learned that they have been charging me this fee since I opened the account in XXXX even though I did not consent to have such fees applied to my account since I was still in college and could not afford much beyond the basic service. I can not access records beyond two years, but so far Discover has charged me {$2600.00} in Payment Protection fees dating back to XX/XX/XXXX. Upon further research, I also learned that Discover was ordered by a joint public enforcement action between CFPB and FDIC to reimburse {$200.00} XXXX to more than 3.5 million consumers back on XX/XX/XXXX. After speaking to a customer service representative, she said the best she could do was reimburse me for the past 6 months only. I find this to be a grave insult, and seek to be fully reimbursed for all fees paid.
Company Response: Closed with explanation

Timely Response

2019-10-08

Alta, CA

Other features, terms, or problems

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

Add-on products and services
Complaint: I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-07

Carolina Forest, SC

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-10-07

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-07

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-07

Oregon City, OR

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-10-07

Shindler, SD

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2019-10-06

Santa Ana, CA

Getting a credit card

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

Application denied
Complaint: I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said " yes '' to these questions. My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.
Company Response: Closed with explanation

Timely Response