DISCOVER BANK

2017-11-06

Brick, NJ

Problem when making payments

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

Problem during payment process
Complaint: I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.
Company Response: Closed with explanation

Timely Response

2017-11-06

FL

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 have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.
Company Response: Closed with explanation

Timely Response

2017-11-06

Nashua, NH

Fees or interest

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

Charged too much interest
Complaint: Executive Summary. This is a breach of contract complaint against Discover for refusing to honor their promise to this Complainant to substantially reduce the interest rate on their credit card - from 23 % to 12 % - on the Discover credit card ending in # XXXX a promise made by the Discover representative on the telephone - if this Complainant were to promptly send the monthly payment discussed in that call on XX/XX/XXXX via Priority mail instead of via 1st class mail an act which this Complainant did perform on a timely basis. Total Claim Amount. Based on 12 % interest, this claim is for {$11000.00}, that is, for the sum of two items : ( a ) The full credit of the card balance aXX/XX/XXXXof {$6400.00}, plus ( b ) All the payments made of {$5100.00} ( as of XX/XX/XXXX ) - since the card balance was fully paid ( at 12 % interest ) by the monthly payment onXX/XX/XXXXper the XXXX spreadsheet of the Discover monthly credit card payments during the last 8 years - that was sent to Discover by the CFPB with the other documents filed with this complaint as discussed in more detail in sections 2 and 3 below. Card Balance Amount History at Key Dates. The contract to reduce the interest was formed onXX/XX/XXXX. This complainant and Discover have been in disagreement on the balance owed ever since. During the 8-year interval to the present, minimum payments have been made every month, ranging in size from {$250.00} per month in the first year to an average of about {$140.00} per month during the last 6 months. ( As explained in section 3 below, an XX/XX/XXXXfile - tracking the balance owed and a breakdown of each monthly payment into interest and debt reduction portions - has been filed with the CFPB by this Complainant and a copy is being sent to Discover by the CFPB. ) This XXXX file has two sheets - the 1st is an actual history of the Discover statements typically showing a 23 % interest rate - and the 2nd is a Would Have Been history - if 12 % interest had been charged instead. The 2nd sheet in the XXXX file also tracks the claim this complainant has against Discover in terms of the excess interest payments made since the balance was fully paid ( as ofXX/XX/XXXX) on the card based on 12 % interest. The sections 2 and 3 below discuss the balances owed at both the 12 % and 23 % rates at the key dates of ( a ) XX/XX/XXXXwhen this Complainant sent a letter to Discover documenting this claim and as of ( b ) XX/XX/XXXXwhen the total amount owed was fully paid off based on the 12 % interest rate being charged the point after which all the payments made after XX/XX/XXXX are fully refundable to this complainant. 1. The Creation of the Contract. The promise was made by the Discover representative during a phone call to this Complainant onXX/XX/XXXX ( when the balance on this card was {$11000.00} ) and this Complainant has notified Discover of this breach with timely phone calls, beginning in XX/XX/XXXX, and in writing, most recently in a XX/XX/XXXXletter. 2. This is the last chance for Discover to honor the promise made on XX/XX/XXXX ( to lower the interest ). Had Discover agreed to honor the 12 % rate retroactively to XX/XX/XXXXat the time they received a letter from this Complainant on XX/XX/XXXXthen the balance would have been adjusted down at that time to {$3700.00} ( instead of keeping it at the {$8900.00} balance that it was then ) and by agreeing that going forward, only 12 % would continue to be charged by Discover, then the card would have been fully paid off about two years later, that is, by the XX/XX/XXXX monthly payment. Instead, there is a cash refund due of all the payments made by this Complainant sinceXX/XX/XXXXor {$5100.00} as of now ( i.e., onXX/XX/XXXX) that would not have been accumulated by Discover. This CFPB complaint is the last chance for Discover to avoid litigation of this claim. 3. The Monthly Statements XXXX file 9-year Recap. The difference between the {$8900.00} and the {$3700.00} - or {$5200.00} as of XX/XX/XXXXis per the monthly XXXX schedule accounting document prepared by this Complainant and sent to Discover - via this CFPB included with a copy of a more detailed version of this complaint being filed with the CFPB which the CFPB is sending to Discover. The XXXX file Spreadsheet has the 1st of 2 sheets that ( a ) lists an 8-year breakdown ( to the present ) of the actual activity in every monthly Discover Card statement including the beginning and ending balances like the {$8900.00} still owed onXX/XX/XXXX and how much of each payment was interest or principal - or other activity, consisting of only two small debits - since XX/XX/XXXX. That XXXX file also has the 2nd of 2 sheets that ( b ) re-calculates the principal and interest amounts but at the lower amount of interest - at 12 % - and a commensurate increase in the principal portion of each monthly payment - that would have been additionally paid each month if, starting onXX/XX/XXXX, Discover had reduced the 23 % rate effective retroactively 4 years from XX/XX/XXXX, as well as the revised beginning and ending monthly balances like the {$3700.00} that would have been in the statement at XX/XX/XXXXbased on 12 % vs. the 23 % that actually was in the majority of the monthly statements sent from Discover up to the present. 4. Discover did not respond to those breach notifications either in writing - or with a phone call, that is, Discover never entered into any form of good faith negotiations with this Complainant to resolve their breach of the interest reduction telephonic agreement of 6/25/09, leaving this Complainant with no alternative but to file this CFPB complaint. 5. The balance on this Discover Card was always company debt it never was the personal debt of this Complainant. The specific details of the breach by Discover are ; ( a ) the 1st step was when a Discover representative called this Complainant inXX/XX/XXXXand made an interest rate reduction promise ( b ) during a collection call to this Complainants home ( regarding a monthly payment which had been inadvertently overlooked for about 21 days ), ( c ) in exchange for a promise by this Complainant to mail that payment via Priority Mail, ( d ) specifically offering to reduce the interest rate ( from 23 % to 12 % ) and, most importantly, on ( e ) a company credit card balance that is, for charges that were utterly and entirely owed by the company that was this Complainants employer - never a personal debt owed by this Complainant. This is a claim centered around a company debt that had steadily grown to the full availability on a revolving basis - for charges directly incurred by that employer of this Complainant during the 7 years of this Complainants active employment that firm ( i.e., that began in XX/XX/XXXX and ended inXX/XX/XXXX ). 6. This was a Wrongful Interest Increase by Discover ( and Six Very Large Banks ) on Credit Card Predatory Loans. Discover was one of seven very large banks that jointly made significant credit card loans over that seven-year period to this Complainants employer - all the time holding this Complainant personally joint and severally liable for the repayment of those credit card borrowings. Discover ( and the other 6 banks ) did not perform the due diligence required of all banks, that is, Discover failed to access the public financial information ( published quarterly by the SEC ) concerning this Complainants employer the true debtor of those credit card loans. Those public reports provided dozens of pages each quarter describing the flow of assets into the company - a flow that was almost entirely provided by two persons. 7. Why This Complainant Agreed To Be the Only Executive Jointly Liable for the Companys Debt. This Complainant agreed to be jointly liable with the company that employed him as a condition of his employment agreement for a key executive position that was offered to him by those two persons - who effectively controlled all the income-producing assets of the company. 8. The Agreement to be Personally Liable for Company Debts Was Based on Trust. This Complainant made a judgment-based assessment that ( a ) those two persons could be trusted to honor their business agreements, i.e., that they were honorable persons - and that ( b ) they together could easily afford to personally pay the entire total availability on the credit cards offered for the companys exclusive use by those seven very large banks and continue to provide the company with the asset inflows needed to sustain fiscally successful operations and company technology development. 9. The Decision to Trust was a Mistake, but The Assessment of The Ability to Pay Was Correct. In retrospect, this Complainant was wrong about the honorable intentions of those two persons ( or the lack thereof ), but not about their ability ( and willingness ) to provide the sizeable flow of assets that needed to be provided to the company during the full seven years of this Complainants employment there, as well as during all of the subsequent years ( after XX/XX/XXXX ) - and up to the present. 10. The Banks ( including Discover ) were driven by Greed, at the Expense of Judgment and Due Diligence. Discover and the other banks did not competently fulfill their due diligence responsibilities they did not properly evaluate the risk of gradually advancing over {$200000.00} in credit availability ( collectively over a 7-year period ending in XX/XX/XXXX ) to a company whose income-producing assets were effectively controlled by those two other persons, without requiring their personal guarantees, in addition to requiring this Complainants joint and severable liability for the credit availability in excess of {$200000.00}. Discovers share of that total was {$11000.00}. 11. Those two other persons were in control of this Complainant`s employer because they were providing all of the companys key marketable technology and most of its financial day-to-day operating resources that were required over the long haul, to fulfill the companys periodic business plans. 12. The Wrongful and Fatal Due Diligence Error by Discover. Since Discover ( and the other 6 banks ) negligently did not require those other two persons to guarantee the companys debts on any of the bank cards it therefore was wrongful for Discover to hold only this Complainant personally liable for this debt owed by his employer. 13. This was a Predatory Credit Card Loan. The Discover credit card debt that is the focus of this CFPB complaint ( that totaled a debt of {$11000.00} on 06/25/09 ) was one of those predatory bank credit card loans to this Complainants employer. 14. Why it was a Wrongful Predatory Loan. This was a Predatory loan because Discover ( and six other large banks ) provided credit card total availabilities jointly to this Complainant jointly with only the company that employed this Complainant - that greatly exceeded the ability of this Complainant to personally pay those debts, should the company suddenly cease operations the precise definition of a Predatory Loan. 15. This Complainant is also the Victim of a Fraudulent Transfer of the Income-Producing Assets of His Employers Assets to Another Company. In XX/XX/XXXX, the company employing this Complainant suddenly ceased operations when the two persons who had controlled the income-producing assets of that company quickly moved those income-producing assets to another company ( a new company ) that they also controlled ( via a fraudulent asset transfer ). 16. In response, Discover ( and the other banks ) suddenly increased the interest rate on the bank card debt ( s ) to 23 % ( i.e., typically at least double what had been paid in previous years ). 17. Discover benefitted directly from the higher interest rates caused by the fraudulent transfer. This caused this Complainant to solely and personally owe the 23 % interest on the Discover card balance - and personally to pay it but without employment income from the new company - that now had the income from the fraudulently transferred assets and the new company also enjoyed all the following additional investments from the two persons in control of those assets - which this Complainants former employer had enjoyed previous to the fraudulent transfer. As a result, Discover wrongfully benefitted directly from the higher interest rates caused by the fraudulent transfer that victimized ( i.e., which was at the expense of ) this Complainant personally. 18. That is when the terms of the telephonic - collection call - agreement were negotiated, where Discover verbally offered to reduce the interest rate by nearly 48 % from that date on - if the current monthly payment were to be timely mailed by this Complainant via Priority ( at {$4.00} ), instead of by 1st Class ( at XXXX cents ) - an agreement that this Complainant honored in every way, but where it was a contract that Discover has totally failed to honor from that day up to the present. 19. An image of this Complainants XX/XX/XXXX XXXX XXXX check # XXXX to the U. S. Post Office for {$4.00} marked For Discover Payment is also being sent to Discover by the CFPB - with the other documents filed with this complaint. This document is written proof that this Complainant fulfilled his performance obligations under the terms of this agreement. ( The Priority envelope contained the XXXX XXXX check # XXXX for {$580.00} payable to Discover that was due no later than XX/XX/XXXX. )
Company Response: Closed with explanation

Timely Response

2017-11-06

San Diego, CA

Closing your account

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

Company closed your account
Complaint: I have several accounts with Discover Card. I made an extra principal payment and the check bounced because the bank did not release the funds on time. However I still made the necessary payment to Discover Card. XXXX XXXX then decided to close all ( 5 accounts ) of my Discover Card accounts with no reason provided. All accounts were in good standing with no defaults. I then received a letter saying " WE ARE NO LONGER ABLE TO MEET YOUR SERVICING NEEDS ''.
Company Response: Closed with explanation

Timely Response

2017-11-06

SC

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: XXXX XXXX not standing behind their Warrenty and discover card want to take their side I have all paperwork where Work performed and companies product inspected which their part failed
Company Response: Closed with explanation

Timely Response

2017-11-05

Eagle Mountain, UT

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

2017-11-05

NC

Fees or interest

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

Charged too much interest
Complaint: I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.
Company Response: Closed with explanation

Timely Response

2017-11-05

Oxford, GA

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Complaint: I have several issues to report against Discover Bank : 1. I had inquired earlier whether Overdraft protection can be set up between the Savings and the MM account. I was told that there would be a fee to set that up. So, every time, I do Bill Pay, I have to manually transfer funds into the MM account. Later on, I was told that there is no fee. Their system is so archaic that it does not even allow scheduling the transfers between Discover 's own bank accounts. The only option is Transfer Now. 2. One of the IRA CDs at Discover had matured, and I had taken a distribution of the funds to my Discover Savings account. I had tried to set up a Bank to Bank transfer, but there was some problem with the account number, and it had failed. So, I set up 2 Bill Payments to XXXX XXXX to rollover the IRA funds. The checks were supposed to be delivered on XXXX XXXX and XXXX XXXX. Their bill pay system is extremely clunky. When I selected XXXXXXXX XXXX as a payee, it did not recognize the account numbers that I entered. So, I had to set up the Payee manually with the address and then I could enter the account numbers. Their system does not allow external transfers to an IRA MM account either, so I had to do Bill Pay. 3. On XXXX XXXX and XXXX XXXX, their system indicated that the checks had been delivered. When I did not see the funds balance change after a week, I called Discover on XXXX XXXX. As usual, no one had a clue what had happened and why the funds had not been transferred. 4. Their web support team kept me on the phone for more than an hour, putting me on hold for finding every little detail. Their bill payment is done by a 3rd party company, and the team could not do anything rather than open a case. They verified that the account number and address were correct, so there was no reason for the funds to have not been received. At the end of the conversation, we came away with the following : a. He would open a case to check why the funds had not been credited through their 3rd party system. b. He would put a hold/cancel on those checks, so that they could not be withdrawn. c. He would send me a check directly from Discover, for the IRA amount. At the end of all this delay and frustration, I saw that next day one of the bill pay checks has already appeared on my XXXXXXXX XXXX account. I thought those checks were canceled. Since one of the checks had been received by XXXX, it was recorded as an IRA rollover. So, now half of the IRA was sitting in XXXX as a rollover, and the remaining balance was sitting at Discover. They should have sent no checks or none at all, as discussed and agreed upon. So, I wrote to Discover and also had multiple conversations over the next few days. Discover kept delaying and held off on giving me a firm response. Because of the uncertainty, I had to hold off on opening an IRA CD at XXXX and lost interest. I spoke to someone called XXXX from Discover IRA on XXXX XXXX, and he said that he would get back to me after reviewing the phone recordings and messages, with their response by XXXX XXXX. When I did not hear from him, I again called Discover and realized that no one had even reviewed my case. I spoke to XXXX from IRA, and he very rudely informed me that there was nothing Discover could do. He also said that there was no 2nd check that Discover had canceled. He clearly had no clue of the case because the system keeps transactional records of everything, and I have proof that there was a 2nd check. So, after all this delay, I have lost interest on an IRA CD for weeks and now have 2 rollovers within 365 days, because of the severe incompetency of Discover Bank.
Company Response: Closed with explanation

Timely Response

2017-11-04

Arsenal, PA

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-11-04

Almonesson, NJ

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

2017-11-03

York, PA

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: There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.
Company Response: Closed with explanation

Timely Response

2017-11-03

Sacramento, CA

Problem with customer service

Money transfer, virtual currency, or money service: Refund anticipation check

Company Response: Closed with explanation

Timely Response

2017-11-03

Nyc, NY

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2017-11-03

Silver Spring, MD

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: My discover card XXXX is not being reported on my XXXX credit report.
Company Response: Closed with explanation

Timely Response

2017-11-03

Mercer, PA

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

2017-11-02

Denver, CO

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2017-11-02

Gretna, LA

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

2017-11-01

PA

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: I applied for a Discover credit card that was offering no interest for 21 months, I found the offer on the computer and called the company over the phone and talked to their representative, and went ahead with the offer this was in XX/XX/XXXX, and I should have had zero percent interest till XX/XX/XXXX, now I get my statement and they are charging 23 % after 6 months, I called them XX/XX/XXXX and they now claim I did n't read the fine print about the zero percent was only for transfers and that purchases are to be charged interest after 6 months, THIS IS CLEAR BAIT AND SWITCH, and was not what I was told on the phone when I got the card. How can you let them get away with this??? Their must be others they done this to and do I have any recourse as I can not pay this off as I am XXXX and on a fixed income and now STUCK with this high interest rate. YOUR HELP WOULD BE GREATLY APRECIATED XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX phone XXXX
Company Response: Closed with explanation

Timely Response

2017-11-01

Hidden Valley, NV

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX Police Department. Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency. You can make a complaint on this page. https://www.consumerfinance.gov/ XXXX XXXX XXXX Chief of Police XXXX XXXX XXXX XXXX XXXX XXXX Office XXXX ext XXXX Dispatch XXXX On XXXX,XX/XX/2017 at XXXX XXXX, XXXX wrote: To whom it may concern: Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX! It is very hard to find out exactly where Discover's headquarters are. Calling them is like sticking pins in your eyes! They took my money (refundable deposit) out of my bank and in less than 2 days! But now going on 3 months later, and they do not want to give it back! I am considering this THEFT and PERSONAL INJURY! I want to FILE a POLICE REPORT and SUE DISCOVER. ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat! I am XXXX and have been on SSDI and for now going on XXXX years. I am a former XXXX XXXX and I have served overseas. 4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX. I asked one of your state's US Congress people for help...a big waste of time, of course! If you don't want to help, then do you think that your GOVERNOR will? The best addresses I can find are: Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact information: Omited Thank you for taking the time to review this and for any assistance that you can provide. Kindest regards, Omited / Replaced with: Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general. Don't ask for help with anything. [They] only care about protecting the wealthy and powerful crooks out there. Not enough PRISONS in America. Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX. I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.
Company Response: Closed with monetary relief

Timely Response

2017-10-31

Houston, TX

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 client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.
Company Response: Closed with explanation

Timely Response

2017-10-31

Springfield, IL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Discover student loan keeps calling and harassing me over payments.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-31

E Bridgewater, MA

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

2017-10-30

Phoenix, AZ

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: I was scheduled to have a revision XXXX done with XXXX XXXX XXXX, XXXX. of XXXX XXXX Surgeons on XXXX/XXXX/XXXX for a previous XXXX XXXX XXXX already paid {$11000.00}. for which was unsuccessful and the XXXX agreed to do over for the cost of the XXXX 's & XXXX room time of {$1200.00}. During my pre-op appointment a week prior to XXXX, XXXX/XXXX/XXXX ( they would not schedule me sooner, which is normally XXXX weeks prior XXXX XXXX XXXX tried convincing me that I should add a unnecessary XXXX to my already scheduled XXXX which would cost an additional {$9700.00}. I was pressured to pay this amount immediately and was given many stories as to why I should do this, even though XXXX XXXX had told me just a few months prior in another consult that this XXXX was unnecessary for years to come. I gave into the pressure as my father has just XXXX away and I was feeling very vulnerable. On XXXX after receiving numerous calls from the office XXXX pressuring me to submit payment I reluctantly provided two credit cards to the office manager, placing {$4000.00}. on a Discover Card, which was the card I previously used only two weeks prior when I placed the original XXXX amount of {$1200.00}, and the remaining amount of {$5700.00}. on my XXXX XXXX card. After thinking over what I had done during the course of the weekend, whereby the XXXX 's office was closed, I called XXXX XXXX 's office that Monday, XXXX/XXXX/XXXX, only one business day later, with the transactions still in pending mode, to cancel the XXXX. I was told by the office manager that because it was a week out from XXXX that I was unable to cancel and receive a refund. I was shocked and at that time the office XXXX called and left this on voice mail the office was closed. I called back and pressed option XXXX to speak with XXXX XXXX and from the moment I called him he was a bully, interrupting me, not allowing me to speak, when I finally got out why I was calling him he at no time asked me why I felt I needed to cancel. His only focus was on the money he was to lose, and being inconvenienced from having to move his XXXX schedule around, while comparing my situation to purchasing an airline ticket. I hung up crying feeling defeated. There was no way I could possibly see XXXX XXXX again, much less have him operate on me to do the original revision XXXX. I wrote a letter to XXXX XXXX 's manager XXXX detailing why I felt uncomfortable and needed to cancel XXXX. Letting them know that I no longer had trust in XXXX XXXX as a surgeon. I also expressed to them that had a recorded call whereby XXXX XXXX said several times in the conversation that " I do n't ever want a patient that ever feels uncomfortable to get work done with me. But, listen even if later you reconsider and you find yourself waking up in a cold sweat, we will be just fine, do n't worry about us, we will be happy to give you your money back and you could go to anyone you 'd like, I can give you some names of people, but whatever it is I just want you to be happy. And, " You have all the way up to the day of, so do n't think you have to go through with it. '' And, " I 've never kept one deposit ''. The office refuses to reimburse my credit cards, now totaling {$10000.00}, for the revision XXXX of {$1200.00}. plus the add on XXXX of {$9700.00}. between two credit cards. Since then I 've filed a claim against XXXX XXXX with the Arizona XXXX XXXX, as he is already on probation with them and has lost the use of hospital privileges, due to having a felony on his record for breaking and entering into a medical facility and stealing narcotics for a XXXX addiction he had & I reported that he plans to keep my money. The medical boards states on their site under : Arizona Revised Statutes for MD 's - Definitions XXXX # XXXX - Unprofessional Conduct ( u ) Charging for a fee for services not rendered. I also filed a complaint with the Attorney General 's Office against XXXX. XXXX. And, a dispute with both Discover Card as well as XXXX XXXX card. When I called XXXX to file the dispute, several times calling back with additional information, they XXXX ) refused to submit the claim for 15 days XXXX ) They had no compassion in the conversation for what I 'm going through as their customer XXXX ) They have said each call that I 've placed that none of the information counts that I gave them that they base everything on the financial documents that I sign. However, XXXX XXXX card took my disputes and filed them immediately, offered compassion for what I 'm going through in all of this and has not only temporarily refunded my card in full during the investigation process, but has also removed the money from XXXX XXXX account. At this point I feel Discover card is abusing the system by allowing XXXX XXXX to receive payment for services not rendered, as I was clearly pressured into having this XXXX done, as well as into reading & signing their 40 pages of paper work/financial docs under duress, in a matter of approximately 5 minutes while being rushed the entire time. It 's simply unethical to ask for payment for services not rendered. I feel completely uncomfortable allowing XXXX XXXX to operate on me after the way he treated me with verbal abuse & unprofessional conduct.
Company Response: Closed with explanation

Timely Response

2017-10-30

Boca Raton, FL

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

2017-10-30

Syringa, VA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I submitted a balance transfer request on XXXX/XXXX/XXXX with Discover to payoff my line of credit with XXXX XXXX XXXX in the amount of {$1900.00}. The balance transfer of {$1900.00} plus a transfer fee in the amount of {$57.00} posted to my Discover account on XXXX/XXXX/XXXX. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX due to my account still not showing paid. They informed me that they did not receive the balance transfer and do not have any sight of it in their balance transfer department. I made sure to verify all information that I submitted to Discover including my account number, payoff address, and amount with XXXX XXXX XXXX. All information was correct on their end. They advised me to contact Discover to get a 15 digit trace number, date submitted, and amount. I contacted Discover, they also verified all information I submitted for balance transfer was correct. They advised that the amount, payoff address, and account number was correct but did not and could not provide me with a 15 digit trace number. They advised that it would take 15 days to investigate. Meanwhile I still have a balance with XXXX XXXX XXXX that 's adding interest daily, and now I have a balance in the same amount with Discover plus a transfer fee. Both accounts are on my credit as balances and debt. I am in the process of purchasing a home and this is negatively affecting my credit and loan decision. I expressed concern to Discover and also frustration that my money and account information for both banks are out there somewhere and no one can find. I asked to speak to a manager, I was told they were all busy and it would take 72 hours for one to call me back. This is unacceptable and I expressed the wish to have the balance transfer cancelled, my transfer fee credited back to my account, and my account closed.
Company Response: Closed with explanation

Timely Response