DISCOVER BANK

2017-10-17

Amherst, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.
Company Response: Closed with explanation

Timely Response

2017-10-17

Barona Rancheria, CA

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
Company Response: Closed with explanation

Timely Response

2017-10-17

Middlesex, NJ

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

2017-10-17

Brooksville, FL

Other features, terms, or problems

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

Problem with convenience check
Company Response: Closed with explanation

Timely Response

2017-10-17

St Heights, MI

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

2017-10-16

MN

Closing an account

Checking or savings account: Savings account

Company closed your account
Complaint: In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.
Company Response: Closed with explanation

Timely Response

2017-10-16

Nyc, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I am in my second semester as a graduate student at XXXX XXXX XXXX. I submitted a letter stating that I am at least a half-time student in order to apply for in-school deferment. This loan was originally taken out with another lender and was sold to Discover a number of years ago. I received a letter stating that my request has been denied due to the " maximum months already used. '' I have reviewed my MPN and do not see any reference to time limits on in-school deferments. I did defer my loans while an XXXX at XXXX, I deferred them two years long while taking XXXX courses at XXXX. Since then I have not taken enough credits to qualify for an in-school deferment. I did qualify in Fall XXXX, I did not in Spring XXXX, and I do again in Fall XXXX. This " maximum months '' is not referenced on any paperwork I signed when applying for the loan nor is it stated on the in-school deferment application. I believe that I do qualify for this deferment as I have only been eligible for it for during the year I borrowed the money ( my third year of college ) my senior yar of college, the two years following and now last fall and this fall - in total that is five years, but I am being cut off at 4.5 ( not even that because the loans went into repayment again this past spring.
Company Response: Closed with explanation

Timely Response

2017-10-16

Wrentham, MA

Problem when making payments

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

Problem during payment process
Complaint: Starting back in XXXX of XXXX, Discover Card 's pay by phone line began to register unauthorized payments pulling money from my bank account to pay them. For example, it would show a payment of {$500.00} one day and {$400.00} the very next. I know the pay cycle and my pay frequency and know I would n't have paid this excessively. In XXXX, the payments became almost daily, with Discover pulling at least {$75.00} per day out of my bank account. This created difficulty with paying other creditors and bills. I told them that I do pay by phone but that I did not pay them to this excess. They agreed to redeem the unauthorized charges with an affidavit filed by XXXXXXXX XXXX. In a phone call with their investigations department, they said they would not dispute this. Citizens initially returned the money, then a couple weeks ago, the account was significantly overdrafted. XXXX told me that Discover disputed the affidavit. I have phone records showing calls to their pay by phone line up to 10 times per day, at hours when I was n't awake and from locations I was not in ( i.e. from Connecticut right before midnight then making a second call to them in XXXX about 30 minutes later ). Numerous attempts to get Discover to work with me and redeem these unauthorized debits to my account have been ignored. Discover added {$6000.00} onto my balance on the premise that it would reflect what was returned to me. However, Discover has not and refuses to return any money. This has affected my ability to pay other creditors, which affects my credit. I have also received a large amount in overdraft fees from XXXX.
Company Response: Closed with monetary relief

Timely Response

2017-10-16

Key Biscayne, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
Company Response: Closed with explanation

Timely Response

2017-10-16

Effingham, KS

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with renewal
Complaint: As a trustee, I opened a 24 month CD account with Discover Bank on XX/XX/XXXX. Upon maturity, in XX/XX/XXXX, I decided to roll the total amount over to a 60 month CD. I did not receive notice of upcoming maturity as promised in the Account Agreement, which states " you will be notified approximately three weeks before your Account matures ''. The money was then automatically rolled over for another five years. This is not what I had intended to do with the money upon maturity. I spent close to two hours on the phone with the bank on XX/XX/XXXX attempting to get answers as to what happened. When it became clear that a number of errors were made on their part, I requested to have my money returned penalty-free. I spoke with one representative and three managers, but had no luck convincing them to do the right thing. I then reviewed every piece of mail I 've received from them since the initial opening of the account in XX/XX/XXXX and attempted one more time, on XX/XX/XXXX, to resolve this issue before taking further action. As it happened, I was actually connected to one of the people I spoke to ( XXXX ) on XX/XX/XXXX ... but again, I had no success in getting my money returned to me penalty free, regardless of the fact that they did n't hold up their end of our agreement in notifying me prior to the CDs maturity date. They are claiming because they are able to pull up a copy of that notification in their digital file, that this means it was actually sent. They are also able to pull up a copy of the next notification, notifying me that the CD had rolled over for another 5 years which was also ... NOT RECEIVED! During the appx. 2hrs I had spent speaking with four different people on XX/XX/XXXX, I was told by the first representative that there was no address listed, so the automatically generated notices would have been generated but would have had no address for mailing. Additionally, I was told by all FOUR of them that a hold had been placed on my outgoing mail at some point. None of them were able to state the reason for this. The best they were able to do is " guess '' that they " may have received '' return mail from my address, which is one reason they might place a hold on outgoing mail. They are not, however able to find any evidence that this is what happened. I was also told that, somewhere along the way, a box became checked on this account that had my sister ( who is co-trustee ) as the mailing address, but that there is no address listed for my sister when you click on her name. I have contacted my sister and she has verified that she has not received any mail corresponding this account. I have continued to receive other mail ( i.e. XXXX form ) mailed to me ... with my name .... at the correct address ... .leaving me to wonder, was there truly a hold on my mail or was there not? I do n't claim to know what happened, but it 's clear that the bank made some type of error, if not multiple errors. I understand that mistakes happen, but I 'm not o.k. with the beneficary of the trust that holds this CD paying the cost of errors that were not his nor mine, while the ones in error are profiting from that error. Considering these facts .... 1. The agreement promises advance notice of CD maturity ... 2. I stopped getting my annual statements and important notifications 3. There is no evidence that there was any good reason for holding my mail 4. The bank never bothered to try contacting me about the mail hold by : a. attempting to send another piece of mail to the listed address ... b. emailing me at the listed email address ... ( I have proof they have my correct email address ) c. posting a notice on my online account 's " inbox '' 5. I believe The CFR, part 1030 requires prior notification of CD maturity 6. I believe The CFR, part 1030 requires banks to comply with their very own printed Account Agreement. ... I believe it 's more than reasonable for me to expect that Discover Bank return to me the money from the CD, penalty-free.
Company Response: Closed with explanation

Timely Response

2017-10-16

Brooksville, FL

Other features, terms, or problems

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

Problem with convenience check
Company Response: Closed with explanation

Timely Response

2017-10-16

Vicksburg, MI

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2017-10-16

La Jolla, CA

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

2017-10-15

Indianapolis, IN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. XXXX defaulted for refusing to pay XXXX arbitration fees. XXXX XXXX failure to pay XXXX was a Material Breach of Contract. XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.
Company Response: Closed with explanation

Timely Response

2017-10-15

Bronx, NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I normally pay my Discover Student Loans online, either via the company 's own web portal or as a bill pay via my bank. On XX/XX/XXXX, I went to pay my usual monthly amount for the previous month 's statement using Discover 's own web portal, but to my surprise it indicated a higher amount that what was on the statement itself. I called their customer service department to inquire about the discrepancy and was told that there did in fact seem to be an error on their end but the representative could not figure out why that was and had to escalate the matter to their back office team. The representative assured me that I would get a follow-up concerning the matter within a week 's time. That week came and went with no response from Discover, so I got on the phone with them again to inquire on the status of the issue and to obtain instructions on what to do with that month 's payment which was about to become due in a day or two and I did n't know which amount I needed to be pay ( the lower or higher ) and I did not want to become past due or incur late charges. I was instructed the pay the usual ( lower ) amount because once the back office team resolved the matter it would all balance out and fix itself in the system. I did as instructed, but to my surprise, about one week later I received the new monthly statement showing that I had a past due balance. So I got back on the phone with the customer service department to ask why my account says I am past due and also why have I STILL not yet received any follow-up regarding the previous issue I originally called about. I ended up having to make 2 more subsequent calls that same day because the all representatives I had talked to up to that point, none seemed to fully understand the situation I was trying to explain and was experiencing, and out of frustration I would just politely end the call only to call them right back again. I finally spoke with a rep that seem to fully understand the growing complexity of the situation and offered to look deeper into the issue and call me back that same day with a solution the rep never called back. Another week went by with no response or update from Discover. I again called them up and yet again asked why I have n't heard back and what the current status was of my escalated matter. The representative indicated there were no updates, other than the notes from all the previous calls I had made thus far. I asked the rep if they could please help me figure out what was happening with my account and why I kept getting the runaround. The agent once again promised to look into the matter and would call me back with an update that same day but of course the call never came. I have since called them at least 8 times, and every single time I am told that the matter would either be escalated or that I would get a call back. I have received none of those things and many weeks have now passed. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX indicating that my account number with Discover has changed and that I am to update the information with my bank. Only problem is that the due date for my bill is the XX/XX/XXXXof every month and I had already sent out my payment for the month, not to mention the fact that they inform me of this drastic change to my account information literally at the very last minute, with less than one week to update my records before the bill became due. Because I had already sent out the payment to the " old '' account number on file with my bank, Discover now claims they have not received the payment and have marked my account as delinquent, despite said payment having cleared with my bank on XX/XX/XXXX. I got back on the phone with them today,XX/XX/XXXX, to complain that this new error with my payment is through no fault of my own, and also to, yet again, follow up on the previous issues with my account ( because I have STILL not heard back about the status of all the escalations ) only to be told, AGAIN, that the matter would have to be escalated and that I would have to wait at least 1 week to receive any update. This has now turned into a vicious cycle, with no one from Discover taking ownership or responsibility about the myriad of problems I am facing with my account, and I have been left with absolutely no recourse to protect and defend myself against the utter incompetence of this company and its customer service personnel, which only leaves ME financially liable for their errors. I should not have to put this much work and effort to resolve a matter that it is not of my doing and frankly I am on the verge on suing them. I assume that I can not be the only one experiencing this degree of negligence that borderlines with impropriety.
Company Response: Closed with monetary relief

Timely Response

2017-10-14

Spring Hill, FL

Other features, terms, or problems

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

Problem with convenience check
Complaint: On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.
Company Response: Closed with explanation

Timely Response

2017-10-14

Glendale, CA

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.
Company Response: Closed with explanation

Timely Response

2017-10-13

Detroit, MI

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home! This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month! Also they are still setting up fake accounts using my email one was for a porn site! They have also taken over $XXXX from my other credit cards!
Company Response: Closed with explanation

Timely Response

2017-10-13

Bronx, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: On XXXX XXXX, XXXX I submitted a signed application which included the contract requirements and terms, for a three year Public Service Deferment from Discover Student Loans. At the same time I uploaded my application/contract, and called a customer service agent to proceed. She indicated that the deferment was APPROVED until XXXX XXXX, XXXX and I received a document from Discover Student Loans indicating these terms. To my detriment, I relied on the promise of this deferment, this contract entered into and agreed upon by both parties, by adjusting me and my husband 's monthly budget for the next 3 years in the form of making promises to pay other obligations, by saving money for emergency and unavoidable circumstances and by changing my pay arrangements and housing agreements to reflect my expectation that I would not have to pay the student loan for three years. On XXXX XXXX, XXXX I received via email notification that there as a message in my discover message inbox. That message contained a document which ( included below ) indicated that my deferment was " cancelled. '' When I immediately called about this unilateral " cancellation '' of the deferment, the supervisor, named XXXX, listened to the recordings of my conversation with the unnamed employee and acknowledged that yes, she did approve my application, enter into a contract with me but that she was " mistaken '' and has since been " educated. '' I had several follow up conversations with XXXX where I informed him that this was not a misunderstanding, but was a real contract, that I relied on, that the proof of its creation is both in paper form ( see attachment ) and in the recordings. I asked him if our conversations were also being recorded, and he said yes, so there is proof that he agreed that I had been approved for the deferment. However, after even more phone calls, Discover Student Loans refuses to perform their end of the contract and only would offer me a one month forbearance to decide if I wished to apply for a XXXX forgiveness. On XXXX XXXX, XXXX, I called again and spoke with a female supervisor who refused to provide me with the legal phone number or address of Discover or Discover Student Loans. I told her that I am an XXXX ( I 'm a XXXX XXXX ) and that if I am forced to file a civil complaint, I will be requesting damages that include my attorney fees, which I am billing and that the damages would far exceed the balance on the loan and that it was in the company 's best interest to allow me access to the legal department with the possibility of a negotiation or settlement of the issue without a formal suit. She refused to assist me further. I have proof of this contract in paper form. Also, a letter needs to be sent to them to preserve all audio recordings. All i want is my deferment. I have no other ones left as I used them during all the many years I have suffered on XXXX leave from my job, and my monthly payment, which continues to grow from {$280.00} a month is in excess of what I can afford when coupled with all my household 's other expenses and bills. I need assistance getting access to the legal department, making them uphold the contract and perform and, if they are not willing, filing a suit for breach of contract, promissory estoppel and detrimental reliance. Is there any one who can assist me?
Company Response: Closed with non-monetary relief

Timely Response

2017-10-13

Laurel, MD

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

2017-10-13

Clayworks, IA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-10-12

Russell, IA

Other features, terms, or problems

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

Other problem
Complaint: I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.
Company Response: Closed with explanation

Timely Response

2017-10-12

Philadelphia, PA

Closing your account

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

Company closed your account
Complaint: I recieved a letter from discover card that were closing my account. I 've missed one payment and had one payment come back return from one of my accounts due to fraud being done on the account and me having a freeze on my account. My account should not be closed and also there are charges on this account and fees that I was told would be credit before my next payment was due. I really like this company and would like for my account to remain open. Also I sent in a money order for XXXX on XXXX and that should have brought my account to current ... ... I have proof of the money order as well
Company Response: Closed with explanation

Timely Response

2017-10-12

Bellaire, TX

Other features, terms, or problems

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

Problem with balance transfer
Complaint: This about a credit card with Discover Card. My wife and I have a joint credit card we have operated sin XXXX and we have never missed a payment. Last month ( XX/XX/XXXX ), we did a balance transfer from a different financial institution for a balance transfer of {$7400.00}. As at the time the balance transfer hit our discover on XX/XX/XXXX the statement balance on our discover account was {$1200.00} leaving a credit on our discover account for the amount of {$6200.00}. Kindly not that our credit limit on our discover credit card was {$5000.00}. So I called discover card over the phone and also sent them a secured message on XX/XX/XXXX ( the next day ) for a credit refund of the balance which was the amount of {$6200.00}. The next day which was XX/XX/XXXX I got an email from discover ( see attached email trail ) that the check of {$6200.00} has been mailed to our address on the account. Now, learning that the refund check has been mailed, I made three transactions for a total value of {$2800.00} on XX/XX/XXXX. On Monday XX/XX/XXXX, I logged on to my discover account to check my transactions the previous day, then realized that the check refund I was told in the secured message that has been mailed had not yet reflected on my account. So I wrote to discover through their secured message, wanting to find out why my account is not showing the refund statement yet. That was when I got the first of many responses contradicting what they said they had done. So there and then I told Discover that they should make sure that they refund the complete {$6200.00} as stated in the message on the XX/XX/XXXX because it was on that premise I made those new transactions because I have enough credit limit on the card for those new purchases it should not be deducted from the credit from the balance transfer. I was assured they would do exactly that and refund the {$6200.00}. Which they did because my account statement showed the credit refund of {$6200.00} on XX/XX/XXXX All of that suddenly change the next day when the account was put of fraud alert and I realized I could not log in and that I had to call Discover. When I called I was told that they were suspecting the balance transfer and had to verify the source of the money. The first question I asked them was, if they felt that way about an account that has never missed a payment for over 6years, why did they not return the balance transfer rather than locking down my account and threatening to close the account. That was when I realized they were up to something shady. So my wife and I got on the phone with Discover representative and a representative from XX/XX/XXXX, the bank that made the balance transfer of {$7400.00} and the whole issue of fraud or no fraud was resolved that day, XX/XX/XXXX and my account became accessible again. To my utmost surprise, on the XX/XX/XXXX, 4 days after the whole issue with the so-called fraud alert was resolved and five days after the credit refund statement on my account, and nine days after I was told the check has been mailed, Discover on their own reversed the payment of {$6200.00}. I was in disbelieve. So I took the matter up and called their corporate customer service number - XXXX XXXX XXXX and spoke with one XXXX XXXX, who said he was going to resolve the issue. The next day or two, I got a message from their secured message that they are not going to honor the check of {$6200.00} because they had an investigation after they mailed me the check - an investigation that was a complete witch haunt that led to nothing. The bottom line was that they want to use my credit balance to offset transactions made after I have been informed that my credit balance has been refunded. Discover wants to earn merchant credit with my refund balance and they think they can get away with it. Few days later on XX/XX/XXXX, they mailed me a check of {$3400.00} leaving the account with XXXX balance and using my credit refund to pay for those transactions. What this people did in Discover - XXXX XXXX and his team is so mean spirited and it is wrong. They felt they had the means to intimidate a customer who is simply a consumer that is trying to meet his financial obligation but unfortunately fell into the hands of very mean and insensitive people in Discover who are willing to rob a client for their selfish gain.
Company Response: Closed with explanation

Timely Response

2017-10-12

Scottsdale, AZ

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.
Company Response: Closed with non-monetary relief

Timely Response