DISCOVER BANK

2017-10-22

Colo Spgs, CO

Other features, terms, or problems

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

Other problem
Complaint: I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.
Company Response: Closed with explanation

Timely Response

2017-10-22

Arco, CA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.
Company Response: Closed with explanation

Timely Response

2017-10-22

Columbus, OH

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2017-10-22

Akron, OH

Getting a credit card

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

Delay in processing application
Complaint: The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?
Company Response: Closed with explanation

Timely Response

2017-10-21

Rio Piedras, PR

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: i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report
Company Response: Closed with explanation

Timely Response

2017-10-21

MI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: XXXX : XXXX XXXX XXXX Bar Number : XXXX Telephone Number : XXXX Address : XXXX XXXX, XXXX XXXX, CA. XXXX E-mail Address : XXXXXXXXXXXX I have filed a complaint against XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX. Complaint Number : XXXX. *It appears that as of XXXX/XXXX/XXXX, XXXX XXXX XXXX has disciplinary action pending against her from the XXXX XXXX XXXX XXXX XXXX SUMMARY 1. On the date of XXXX/XXXX/XXXX, I electronically signed a contract with : XXXX XXXX XXXX XXXX XXXX XXXX also referred to as XXXX XXXX XXXX XXXX XXXX XXXX To assist me in lowering or eliminating my private student loan debt ( Student Loans with Discover ) due to hidden fees, unethical interest rates, etc. 2. I was advised on Monday, XXXX XXXX, XXXX, via e-mail communication, to place a bank STOP payment on my Discover Student Loans automatic withdrawal as XXXX XXXX was going to file a Cease & Desist. a. I complied with that directive. My last payment to Discover was on XXXX/XXXX/XXXX. b. XXXX and XXXX XXXX, these 4 loans ( identified as XXXX XXXX XXXX XXXX on my credit report ) were marked 60-89 days late/missed on my credit report. 3. On XXXX XXXX, XXXX, my credit dropped 93 points. a. My father, XXXX XXXX XXXX XXXX soc. # : XXXX ), was a co-signer on each of these loans and may have also been negatively impacted by these late/missed payments. My request is that any negative impacts relative to this case/situation reflected on his credit report be removed as these errors were not fault of ours. COMMUNICATION WITH DISCOVER ( PRIVATE LOANS NOT FEDERAL LOANS ) Telephone Number : XXXX Based on a conversation with a Discover representative ( XXXX ) on XXXX/XXXX/XXXX, there was no documentation in my file that any communication has been attempted by XXXX XXXX or her law firm, with the exception of a Cease & Desist. XXXX assured me that my student loans were still with Discover but in default and they were unable to contact me due to the Cease & Desist to inform me of the matter. She then began discussing payment plan options with me so I could re-start paying on my student loans. - XXXX provided me with 2, and only 2, payment options. I was required to commit to paying {$570.00} per month for the duration of 48 months, OR I was required to pay {$27000.00} dollars in one lump sum. o I told XXXX that neither option was manageable for me and that I needed time to speak with my father re : the situation. Penny scheduled to contact me the following day ( XXXX/XXXX/XXXX ) at approximately XXXX XXXX XXXX. but never called. - I contacted Discover on XXXX XXXX, XXXX, and spent 42 minutes on the phone with at least 3 individuals trying to glean more information from account notes relative to my case and XXXX XXXX involvement. XXXX, a XXXX, refused to give me any information relative to this situation. I have also included a copy of my most recent credit report within this e-mail. Please find it as an additional attachment. Respectfully Submitted, XXXX XXXX XXXX Also I believe as my current field of work is in the field I went to college for : XXXX XXXX for the XXXX XXXX and XXXX This is grounds for a dismissal of student loans under the " Government Forgiveness Act '' I have tried to make a repayment schedule or consolidate my student loans with no avail from my loan companies.
Company Response: Closed with explanation

Timely Response

2017-10-21

Salton City, CA

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

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

Investigation took more than 30 days
Complaint: My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required Discover to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. Discovers response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the 30-day requirement as prescribed in the following FCRA laws. It appears that Discover received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. Discovers act of deception was still out of compliance because Discover mailed it outside of the 30-day window for the first dispute, and Discover committed fraud in the process. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section. * 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Company Response: Closed with explanation

Timely Response

2017-10-21

Charlotte, NC

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 opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening. After meeting all the eligibility criteria, I did not receive the account opening promotion bonus. Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.
Company Response: Closed with explanation

Timely Response

2017-10-20

Ft Lauderdale, 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
Complaint: I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX
Company Response: Closed with explanation

Timely Response

2017-10-20

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: I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover, opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.
Company Response: Closed with explanation

Timely Response

2017-10-20

Traver, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.
Company Response: Closed with explanation

Timely Response

2017-10-20

Helt, IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2017-10-20

Bakersfield, CA

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: In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?
Company Response: Closed with explanation

Timely Response

2017-10-20

San Jacinto, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.
Company Response: Closed with explanation

Timely Response

2017-10-20

Gaston, IN

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

2017-10-19

Frederick, MD

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

2017-10-19

Chicago, IL

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

2017-10-19

PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-10-18

Charlotte, NC

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

2017-10-18

Burbank, CA

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
Complaint: XX/XX/XXXX this year I requested DISCOVER CARD to lower their APR so I could pay off the balance, due to financial difficulties. Since XX/XX/XXXX when I started with DISCOVER credit card, the company offered me 1 yr 0 % APR 's on any transfers throughout the years, perhaps due to the fact I 've never missed a monthly payment. Because I never missed a payment in my 5 year tenure with DISCOVER or on any of my bills, and with their track record of offering 0 % APR 's on transfers, I assumed when I told DISCOVER I had financial difficulties back in XX/XX/XXXXthey 'd at least lower the 21.99 % APR that 's on my $ XXXX K of debt.. so I could pay-off my card and not declare bankcruptcy. Currently their APR has me paying {$380.00} a month - None of that amount goes to decreasing my debt!! I ca n't afford more than {$400.00} a month to pay to my DISCOVER card - and {$380.00} of it is NOT decreasing my bill!! That 's strictly APR payment. The remainder {$20.00} I must re-use for food / gas. So every month -- I 'm no where to paying off this card!! Due to the economy and grave RENT increases every 10 mo 's since XX/XX/XXXX, I 've been forced to max-out this card and use other XXXX - and finally I am starting to be able to pay it off.. if DISCOVER lowers their 21.99 % APR to an original card member amount.. .. .. An example of DISCOVER 's repeated responses to my requests via their website, where I reiterated even with Live Chat that I do n't want card suspension - I just want to pay off my card. Please lower my APR so I can pay off my card. Their response : -- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX XXXX Subject : Re : Other APR Questions [ # XXXX ] Sender : Discover Card Customer Service Hello ..., Thank you for your message regarding your Discover account. I understand your concern, and I am happy to assist you today! We do n't usually reduce annual percentage rates ( APR ) on existing balances. EXCEPTIONS INCLUDE CUSTOMERS THAT MAY HAVE A FINANCIAL HARDSHIP, which may require suspension of your account.? Something that may be helpful in paying your card down is our Paydown Planner. It 's a free tool to help you view how long it will take to pay off your balance. .. " .. .. " Paydown Planner '' is a calculator -! See attached # 1. Does n't " ca n't afford it '' equate to " financial hardship '' -? And in my anger at the time I even noted hey I 'm going to XXXX and XXXX about this, it 's so wrong they 're not taking my " ca n't afford it '' and excellent payment track record to simply lower my 21.99 % APR ... to which they responded they 're sorry, but the APR is fine.. .. THEN IT GETS WORSE - after all those emails since XX/XX/XXXX of me asking DISCOVER to please lower the 21.99 % APR, I ca n't afford it, DISCOVER sends me a letter XX/XX/XXXX saying they 're going to INCREASE my monthly payments, because it 's been overdrawn.. (!!!!!!! ) See attached # 2. What happens as noted is I 've been paying $ XXXX monthly -- of which {$380.00} goes to the APR ( not to decreasing the debt amount ) and {$20.00} has to be reused for food. So nothing is decreased -- - and then a 21.99 % APR is added again that month. This merry-go-round of paying DISCOVER $ XXXX monthly but no decrease to my payments leads to " overdrawn ''.. and every 10 months I 'm paying {$3800.00} to DISCOVER, none of which goes to paying off my debt. After telling DISCOVER I could n't afford it - they have now said they 're going to increase monthly payments.. " In an effort to help you get your balance under your credit limit we may increase your minimum payment amount as soon as within the next 60 days ''. !!!!? Wow -- So ... I took the issue to the BBB / Better Business Bureau XX/XX/XXXX. See BBB Complaint ID XXXX / attached # 3. Through the BBB I told DISCOVER again how I now am facing declaration of bankcruptcy -- and I do n't want to do that. I also noted I do not want to suspend my card. To please lower the APR per DISCOVER 's history of 0 % APR transfer offers over the 5 years I 've been with them, so I can pay-off my card. I did n't even ask for a 0 % APR -!!! But through this BBB complaint, DISCOVER repeatedly responded saying the APR is fine. Apparently they forgot their " Exceptions include customers that may have a financial hardship '' clause. DISCOVER 's last correspondence was yesterday " We have confirmed that the Annual Percentage Rate on your account is valid and in accordance with your Cardmember Agreement ''. See attached # 4. What happened to " Exceptions include customers that have a financial hardship '' .. Is n't being pushed facing a decision about declaring bankruptcy falling under the heading of " financial hardship ''? The BBB closed the file Case # XXXX today, stating " This matter is now closed in BBB files, and will appear in the company 's BBB Business Review as : 'Answered - the business addressed the issues with the complaint, but the consumer remains dissatisfied. ' " How is DISCOVER saying they are going to do nothing, addressing the issue? I googled and found CFPB - thank goodness.. and thank you 's to the great person and website who brought your company to note. My final emailed response to DISCOVER through BBB, says all, so best here too : " For a customer who has never missed a payment over a 5 year period ( proud of that! ) on any of my bills - - and after years of DISCOVER themselves offering 0 % APR 's to that customer ( me ) for transfers - - to refuse to just lower the APR % from 22 % on XXXX k (!!!! ) so I can pay off my card in order to not go into bankruptcy, is unfortunately vituperative, and really unusual for such a big wealthy company which advertises it is for the public. I am still requesting a lower-to-0 % APR per DISCOVER 's previous 0 % offers for one year, so I can pay down my card. Looking forward to the top heads responding in kind. ''
Company Response: Closed with explanation

Timely Response

2017-10-18

Wallington, NJ

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 been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***
Company Response: Closed with explanation

Timely Response

2017-10-18

WI

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have received upwards of 20 calls in ONE week from Discover Card regarding a debt owed by XXXX XXXX. My XXXX mothers last name was XXXX, however her first name is not XXXX. I called Discover Card after receiving five calls in one day. I advised that XXXX XXXX does not live at this address, and asked if someone had used my moms information - since they were calling her number with the right last name. They advised they could not disclose that information, or the nature of the call. I verified with them that the number calling me was them, and they advised it was. I asked them to stop calling since my mom is XXXX ( going on 7 years ), this is not her debt, nor is it a debt for anyone at this number. The harassing calls continued to the point that I needed to disconnect my phone number. I have XXXX small children and the constant phone calls throughout the day were interrupting their sleep time, not to mention, they were harassing due to the sheer volume of calls received in a day and week. It was nearly one month ago that I called Discover and asked that they stop calling me however to date, these calls still continue. I was notified today by my old phone carrier that another voicemail was left on the old number around XXXX. I am upset that these calls continue. I am upset I have had to cancel our old phone number and get a new phone number, and I am upset that Discover refused to tell me if my XXXX mother 's information had been used - yet they continue to call me an obscene amount of times. That phone number had been my number for 31 years - this was a difficult decision to make, and I do n't feel that Discover should be able to harass me in the way that they have.
Company Response: Closed with explanation

Timely Response

2017-10-18

Arco, CA

Confusing or misleading advertising or marketing

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

Complaint: Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! thank you very much!!
Company Response: Closed with explanation

Timely Response

2017-10-18

Bedford, OH

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

2017-10-18

Billerica, MA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.
Company Response: Closed with explanation

Timely Response