DISCOVER BANK

2017-11-21

Pottstown, PA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2017-11-21

Charlotte, 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: Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.
Company Response: Closed with explanation

Timely Response

2017-11-21

Venice, FL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with explanation

Timely Response

2017-11-20

Wonder Lake, 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
Complaint: My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}
Company Response: Closed with explanation

Timely Response

2017-11-20

Ft Lauderdale, FL

Problem when making payments

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

Problem during payment process
Complaint: I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.
Company Response: Closed with explanation

Timely Response

2017-11-20

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

2017-11-20

Bohemia, NY

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

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

Their investigation did not fix an error on your report
Complaint: I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-19

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.
Company Response: Closed with monetary relief

Timely Response

2017-11-19

Finksburg, MD

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with explanation

Timely Response

2017-11-19

Holland, MI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2017-11-18

Gainesville, FL

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: I have a hard inquiry from Discover Bank on XXXX XXXX that I did not authorize or approve.
Company Response: Closed with explanation

Timely Response

2017-11-18

Jupiter, FL

Trouble using your card

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

Can't use card to make purchases
Complaint: This is a copy of the email I sent to the ceo and several administrative persons at Discover Card. They didnt even reply to my email until I sent it a second time. The date we found out our credit cards were not working was Friday XX/XX/XXXX. My first call as described below was on Sunday, XX/XX/XXXX. Problems with my business and personal Discover Card accounts. 30yr.+ customer 2ND EMAIL- I am writing you this evening because last week both my Discover Business account and my Discover Personal account seemed to have been closed down. Both my wife and myself were out, each in our own car, trying to get gas and our cards did not work. No notice, no email or no letter was ever sent. I have been a Discover Card customer for over thirty years and this was a shot below the belt that we did not expect. We had been both using our cards regularly with no problems until this. So on Sunday I called customer services. The rep could not understand why our accounts were closed. What she told me was that the business card was closed and referenced to the personal card, and the personal card was closed and referenced the business account. She told me that the departments that handle this were closed until Monday. She said I should call back then. I asked for a call back on Monday morning which is today. She said she would leave the request as needed. I was on the phone for fourty-five minutes and got nowhere. No one ever called me today, which did not surprise me.so I called and spoke to a rep who connected me to direct account review. After another thirty minutes on the phone I still dont know where I stand with Discover Card. XXXX XXXX in your direct account review department was very cordial but still could not find the reason for my account closures. He promised to call me back with an answer. This is not the first time I have had problems with my Discover Cards, but it is the most trying problem of thirty years plus as a customer. I can guarantee that whatever the problem might be it is not from me. My concern now is this cancellation of my cards will appear on my credit reports and I will have to dispute any derogatory allegations from Discover card. My contact information is: Left blank I do expect prompt satisfaction to this problem that I did not ask for. Yours truly, My name Received a call and email from the executive offices of Discover Card on Thursday, XX/XX/XXXX. Nothing was resolved. Their email to me: On XX/XX/XXXX, at XXXX XXXX, Executive Office of Discover Financial Services wrote: Dear My name Thank you for your recent correspondence to XXXX XXXX, Chairman and Chief Executive Officer at Discover. To ensure your concerns are properly addressed, your email has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you have any questions or would like to provide additional information, please feel free to contact me at XXXX. I am typically available Monday-Friday, 9:30 a.m.-XXXX XXXX. (ET). Sincerely, Associate, Executive Office of Customer Advocacy I sent the following email today, Friday, XX/XX/XXXX: Dear XXXX. left blank, I am extremely upset at this point. I contacted Discover card on Sunday, XX/XX/XXXX and still cannot use my account. Never has anything such as this ever happened to myself or my wife. What seems to be the problem here? I have never been given any answer why I cannot get into my personal and business Discover accounts. I have never been late on payments. Up to this date no one from your company has given me any answers whatsoever. My wife is especially upset as she was in a line to pay for items and the card was denied. She had to use a different card but felt embarrassed as anyone would be if you card was declined in front of people. I am demanding an apology. I am also demanding my cash back money which is rightfully mine for both of my accounts. I will soon be contacting the Consumer Financial Protection Bureau Bureau.if necessary I will also be sending my complaint to XXXX XXXX, XXXX and XXXX. Signed: My name
Company Response: Closed with non-monetary relief

Timely Response

2017-11-18

TX

Fees or interest

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

Problem with fees
Complaint: Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!
Company Response: Closed with monetary relief

Timely Response

2017-11-17

Bellaire, TX

Closing your account

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

Company closed your account
Complaint: I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.
Company Response: Closed with explanation

Timely Response

2017-11-17

Philadelphia, PA

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

Student loan: Private student loan

Their investigation did not fix an error on your report
Complaint: I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-17

Mountain View, OK

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. Thank you XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2017-11-17

MI

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been paying off my student loans to Discover aggressively over the last several months. In XX/XX/XXXX I had a total of {$6700.00} due. I paid off each loan sequentially until I had only {$780.00} remaining on a single loan this month ( XX/XX/XXXX ). I was paid on XX/XX/XXXX so I made my final payment the same day of {$780.00}. It was withdrawn from my bank account on XX/XX/XXXX. Oddly, there was no record of the payment on my online account. After approximately 5 business days I called to see why the payment had n't posted yet and was n't showing as pending on my account. The customer service representative told me they saw the payment but that it had been misapplied, but not to worry, they would reapply the payment and I would see it in 4-5 business days. I asked for something documenting this in writing. She told me that a letter would be sent to my home address. After the period of 5 business days and still no update to my online account I called again and was told the same information. I asked why it was taking so long to show up online and they said they were upgrading their computer system and it was taking on average 14 days for payments to be posted. My online account still showed a minimum monthly payment due of {$150.00} on XX/XX/XXXX which was due to be auto-deducted from my bank account so I again asked for documentation, in writing, that this payment had gone through so that I would not have to worry about additional payments. He agreed to remove the auto-payment but said he could not change what the computer said since they were going through an " upgrade ''. I e-mailed this week to ask for written documentation of the payment and received an e-mail back saying I still owed {$780.00}. I called and customer service now had " no record '' of my prior payment and said I could dispute that if I could show proof that the money had been withdrawn from my bank account. I asked why no one had asked for this proof before and was n't given an answer but I uploaded my bank statement through their " secure document center '' ( which will not let you see documents after they are uploaded, by the way ) and did not receive any further feedback. Today I received an e-mail stating that my " new '' minimum monthly payment is {$50.00} instead of {$150.00} and I have 13 payments remaining. I called and the customer service representative could see my dispute, but said it takes up to 90 days for it to be investigated. I, again, asked for written documentation of the dispute and was told that was not possible. That I would get a letter once the dispute was closed. I asked why I had gotten an e-mail with a new monthly payment when my loans should be paid in full and there is a dispute but was told that was automatically generated by the computer. I very much feel like I am being taken advantage of and they are refusing to close my account so they can continue to generate interest. 3 customer service representatives could supposedly see the payment and that it was misapplied, then now it 's missing and I need to file a dispute? No written record of any of this? I am fearful that I will be charged late fees, interest, and this will be reported to the credit agencies and I have nothing documenting any of these conversations.
Company Response: Closed with explanation

Timely Response

2017-11-17

Statham, GA

Closing your account

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

Can't close your account
Complaint: This account is showing up as open and it needs to be closed : Partial account number - XXXX Address identification number - XXXX Discover XXXX, DE This account was the result of identity theft. Remove it.
Company Response: Closed with explanation

Timely Response

2017-11-17

Springfield, VA

Trouble using the card

Credit card or prepaid card: Gift card

Trouble getting information about the card
Company Response: Closed with explanation

Timely Response

2017-11-17

Charlottesville, VA

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

2017-11-16

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: RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. - I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. -I was transfered to someone else, I believe from fraud dept. - NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. - PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. - What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. - Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. -Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. - Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. -I Must work 4-5 more years to have enough to live on through retirement. - I have never missed a payment on any account that is mine in my life. THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. I just do n't understand why Discover will not follow the law, they know what the law requires.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-16

Los Angeles, CA

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-11-16

Beyersville, 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

2017-11-16

Windsor, CA

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 explanation

Timely Response

2017-11-16

Chicago, IL

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: On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.
Company Response: Closed with explanation

Timely Response