DISCOVER BANK

2017-11-24

Orion Twp, MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-11-24

Palm Bch Shrs, FL

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with non-monetary relief

Timely Response

2017-11-24

Campville, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2017-11-24

AR

Closing your account

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

Company closed your account
Complaint: So I changed from XXXX XXXX XXXX due to their customer service being XXXX and every other bank I dealt with having great customer service I went to my local credit union and opened two accounts with a check I received from a law suit settlement this is where things went wrong I did n't realize it at the time but because of the amount of the check the banks back office decided to close my accounts in the mean time I had logged into discover and made two payments in the amount of XXXX so XXXX ( 2 ) for a total of XXXX to my account the first one got returned and I panicked I called XXXX ( the credit union ) a rep named XXXX told me it was because I used the money market account ending in XXXX and that I could not use my money market account for ACH withdrawals during the first X amount of days which was okay with me so I went back on to discover and I scheduled the full XXXX to come out of the checking account ending it XXXX because for whatever reason XXXX could n't see that my account was being closed by the back office team at this time and I scheduled my regular XXXX payment that was due from my XXXX XXXX account two weeks go by, I receive a certified letter with the check enclosed informing me my accounts are being closed and they do not wish to do business with me so I rush to XXXX deposit the check and talk to a manager they ca n't do anything for me about the " hold '' on a check for this amount so I call discover and the rep tells me as long as I pay the full XXXX as soon as it clears and make good on the payment everything will be fine. So I do exactly that. Not even a week after I have made good on the errors caused by my account being closed by the credit union discover closes my account and tells me there is n't anything they can do unless XXXX XXXX will admit it is their mistake the problem is XXXX does n't see it as a mistake they blatantly have told me they do n't wish to help me with this issue and have told the one manager who was willing to help me not to assist me any further and gone as far as denying he works there when they called his branch. The point is yes the payment may have been returned due to the account being closed but as soon as I got the check cleared into another bank I gave them the exact same amount of money and still made my regular payment on top of that its not like I was trying to run any type of scam on them. My mom also believes her account with them may have been closed for this which would n't make sense considering she 's had it for years and pays her bills better than I do. Screenshot shows recent payments you can see the two XXXX payments that get returned the XXXX from XXXX where I thought it was due to XXXX being money market then me fixing it from XXXX on XXXX and you can see that one was NOT returned.
Company Response: Closed with explanation

Timely Response

2017-11-24

Key Biscayne, 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: Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. thank you
Company Response: Closed with explanation

Timely Response

2017-11-24

Hollis, NY

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

2017-11-23

Superstition Mtn, AZ

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: I have contacted XXXX XXXX XXXX in regards to a Discover credit card account ending in # : XXXX that was opened fraudulently in my name and someone using my personal information. Discover continues to hold me liable for the fraudulent account and charges that arent mine and dont belong to me. I contacted my 2 U.S. Senators from Arizona, Senator XXXX XXXX and XXXX XXXX and informed them of this matter. Senator XXXX and XXXX sent me a letter and informed me that they will look into this matter, contact XXXX XXXX XXXX seeking a resolution to this matter, and possibly call senate confirmation hearings for executives from XXXX XXXX XXXX to appear at senate confirmation hearings due to receiving similar complaints from other constituents in their district.
Company Response: Closed with explanation

Timely Response

2017-11-23

Boca Raton, FL

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

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

Problem with personal statement of dispute
Company Response: Closed with non-monetary relief

Timely Response

2017-11-23

La Pine, OR

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 dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.
Company Response: Closed with explanation

Timely Response

2017-11-22

Alafaya, FL

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

2017-11-22

Rncho Domingz, CA

Problem with a company's investigation into an existing issue

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.
Company Response: Closed with explanation

Timely Response

2017-11-22

Glens Falls, NY

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-11-22

Milwaukee, WI

Closing your account

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

Can't close your account
Complaint: Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do. The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX. In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence. I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges. I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''. I have put in another Fraud claim with Discover.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-22

Ft Lauderdale, FL

Problem when making payments

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

Problem during payment process
Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Company Response: Closed with monetary relief

Timely Response

2017-11-22

Hamilton, NJ

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

2017-11-22

Fort Pierce, FL

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2017-11-21

N Monmouth, ME

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: Around XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.
Company Response: Closed with monetary relief

Timely Response

2017-11-21

Sacramento, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

Dallas, TX

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

2017-11-21

Orion Twp, MI

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: How do I stop Discover Card from calling me every single day, including weekends and holidays. I have request a " cease and desist '' to Discover many times including through the CFPB over a week ago. I have asked for all communications to be written to ensure there is no misunderstandings of facts I have informed Discover Charges on this account in my name are identity Theft I even took a phone call from Discover on XX/XX/2017 - This is the first time and only time I talked to someone verbally over the phone. During conversation I informed Discover the charges are not mine and are not authorized be me. I truly believe Discover has refused to honor my request and honor federal and State laws, deliberately for the purpose to harass me. So let me specific again, I do not want Discover to call me over any phone. If Discover wants communications they can do so via USPS, email or XXXX. DO NOT CALL ME, THIS IS VERY STRESSFULL, It is preventing me from sleep, I am stress all day, I am XXXX years of age and did not create this mess. On XX/XX/2017 discover called me at : XXXX XXXX ET and XXXX XXXX ET they called again. I will file complaints every day through this platform to produce a record for further litigation
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

Rochester, WA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-21

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2017-11-21

Hinkley, 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
Complaint: Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

Pearland, TX

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

2017-11-21

Elgin, IL

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response