DISCOVER BANK

2017-11-16

Dallas, TX

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-11-16

Piedmont, AL

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

2017-11-15

Artesia, CA

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

2017-11-15

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

2017-11-15

Tarzana, CA

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Complaint: Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. I feel as though this is a violation of the Fair Debt Collections Practices Act. Lots of threats contained in this letter attached. Please investigate.
Company Response: Closed with explanation

Timely Response

2017-11-15

RI

Other features, terms, or problems

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

Privacy issues
Complaint: Discover Card called my workplace to ask if I was going to pay on time. I have already disclosed to them they are not allowed to call my workplace.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-15

Jersey City, NJ

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2017-11-14

OH

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 Bank inquiry from XX/XX/XXXX Discover Bank inquiry from XX/XX/XXXX Discover Banks inquiry from XX/XX/XXXX These inquiries were not authorized by me on my XXXX report. I already attempted to inform and advise the agencies and the bureaus to remove these inquiries to no avail. Please help.
Company Response: Closed with explanation

Timely Response

2017-11-14

West Newfield, ME

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response

2017-11-14

Wonder Lake, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-11-14

Bedford, TX

Fees or interest

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

Problem with fees
Complaint: Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.
Company Response: Closed with monetary relief

Timely Response

2017-11-13

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2017-11-12

General Delivery, DC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-11-12

Bellaire, TX

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.
Company Response: Closed with explanation

Timely Response

2017-11-12

Bentley Spgs, MD

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I previously submitted a complaint involving Discover Card. They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. At one time they were reporting that the balance was {$330000.00}. I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.
Company Response: Closed with explanation

Timely Response

2017-11-11

Queens, NY

Closing your account

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

Company closed your account
Complaint: Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.
Company Response: Closed with explanation

Timely Response

2017-11-11

Colona, CO

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

2017-11-11

Herndon, VA

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

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

Their investigation did not fix an error on your report
Complaint: I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Company Response: Closed with explanation

Timely Response

2017-11-11

Dania Beach, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2017-11-11

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
Complaint: On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX. However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error. Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it. So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost. Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. .
Company Response: Closed with monetary relief

Timely Response

2017-11-11

Denver, CO

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2017-11-11

Dry Fork, KY

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 non-monetary relief

Timely Response

2017-11-10

Houston, TX

Other features, terms, or problems

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

Other problem
Complaint: I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.
Company Response: Closed with monetary relief

Timely Response

2017-11-10

NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-10

Binghamton, NY

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response