DISCOVER BANK
Consumer Complaints
There are over 11723 complaints on file for DISCOVER BANK. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 179
2017-10-07
Great Neck, NY
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: While on vacation at the XXXX XXXX in XXXX XXXX between XX/XX/XXXX, we entered into a XX/XX/XXXX membership contract that was signed on XX/XX/XXXX ( See specimen No.1 ). This contract was signed under much duress from the XXXX XXXX timeshare sales team. Even though we said no several times during the presentation, they continued to pursue us to do the contract. They did not allow us to leave the presentation room to think about it, and we were kept for over 6 hours which was an extraneous period of time that leads to coercion. Upon returning to the USA on XX/XX/XXXX, we then had time to read the contract and we realized that we had several concerns. On XX/XX/XXXX, we tried calling the merchant representative at XXXX, XXXX and XXXX to discuss cancellation and our concerns. These were the numbers listed on documents we received from the merchant and in the contract, when dialed the numbers gave disconnected voice messages. Following, on XX/XX/XXXX, we sent an email to XXXXXXXXXXXX and we received a failed delivery on XX/XX/XXXX, I re-send the email to XXXXXXXXXXXX and XXXXXXXXXXXX stating that I would like to cancel my timeshare contract. See attached the email that was sent ( See Specimen No 2 ).
Due to an illness, we were not able to get to the post office until XX/XX/XXXX to mail the information to the vendor via certified mail. In the package, we included a letter stating that I have been trying to contact the merchant/vendor since XX/XX/XXXX and the numbers provided was giving us disconnected messages ( See Specimen No. 3 ). We further stated we were unable to find a copy of the cancellation form at the stated website XXXX that was referred to in the document provided.
During the week of XX/XX/XXXX, we received a call from the vendor agent XXXX in XXXX XXXX who enquire why we wanted to cancel the contract. We discussed our concerns with the agent XXXX and reiterated that we would like to cancel the contract. He informed us that he will process with the cancellation and our monies will be refunded to us. Simultaneously, we filed two dispute charges one with XXXX XXXX and the other with Discover on XX/XX/XXXX. Within one month XXXX XXXX was able to close the dispute and returned the amount of money paid to the merchant from the XXXX XXXX card back to us. However, Discover card after several dispute actions continued to rule in the merchant favor despite of us providing information from the merchant representatives and documentation showing that merchant granted a cancellation. Discover kept reporting that the merchant was saying that they were not aware of us making a cancellation, ( See specimen No.3 ). Discover kept stating that the merchant transaction appears to be valid and provide a copy of the contact and reference Clause 10 of the contract and that the merchant said that they have not receive the Discover cardholders complaint or request to the cancel the contract. Discover was provided with information in the form of an email the merchant already canceled dated XX/XX/XXXXfrom XXXX XXXX showing the account ( see Specimen No.4 ).
We continued to have a constant dialogue with the merchant XXXX XXXX representatives and Discover sinceXX/XX/XXXX to XX/XX/XXXX. We are constantly pushed around by both entities and promised a refund of the {$8200.00}. Finally, the merchant provided documentation inXX/XX/XXXX to show that because of the dispute process XXXX XXXX returned the money {$8200.00} to Discover card and that Discover did not transfer the {$8200.00} back to them after the dispute was completed, hence XXXX XXXX can not refund the {$8200.00} to us as promised. In the meantime, Discover is claiming that the {$8200.00} was sent to the merchant so they can not returned the money to the card. Below is a chronology by various dates of my contact with Discover and XXXX XXXX on this matter.
OnXX/XX/XXXX, Called XXXX XXXX at XXXX and spoke XXXX who told me that the contract with reference number XXXX was cancelled and I will get a refund.
On XX/XX/XXXX, Called XXXX XXXX again this time I spoke with XXXX XXXX XXXX who told me that my contact and account was cancelled and I requested this information via email. See Specimen No 4 that was sent via email ( XXXX ) See attached email Specimem No #. 4.
On XX/XX/XXXX, Contacted discover and was told that my dispute was ruled in the merchant favor.
On XX/XX/XXXX, Reopened the dispute with Discover and submitted information I received from the XXXX XXXX that my account # XXXX with contract # XXXX was cancelled and that according to XXXX a notification can be provided by email and certified mail. See Specimen No #. 5.
On XX/XX/XXXX, Requested based on the advice of the Discover representative to open an arbitration case on the dispute.
During the month XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX regarding my refund. She indicated that she would contact XXXX and get back to me. After several follow up calls to XXXX from XXXX XXXX, she responded on XX/XX/XXXX.
On XX/XX/XXXX, Received a voice mail message from XXXX from XXXX XXXX stating that in order to refund my money they need a letter from my banker ( Discover card ) about the dispute status in order for them to refund the money. The requested information was provided on the same date via email ( See Specimen No. # 6 ).
XX/XX/XXXX, upon calling Discover on the status of the case they open and closed the investigation in XX/XX/XXXXand stated that are required to report my account of the Consumer Reporting Agency as a disputed account. See Specimen No. # 7 On XX/XX/XXXX, Contacted XXXX XXXX spoke with XXXX and forward the information sent to XXXX. He promised to work on my refund.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who was with the billing department. He stated that he sent an email to the person working on the refund to request an update on it.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX in the Merchant services section who indicated that my refund was in progress.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who put me through to XXXX XXXX who reported that he would check with the sales office concerning the transaction.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX who was informed that a representative XXXX from Discover was on the line with me. She informed both myself and XXXX from Discover that a refund will be issued between two to three weeks. This was noted in both my Discover and XXXX XXXX account. XXXX promised to follow up.
On XX/XX/XXXX, Called Discover and spoke with XXXX referenced the notes in the account of the promise to refund by XXXX XXXX and also promise to follow up.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX XXXX. I expressed my disgust and the unfairness, after waiting for a few minutes he indicated that XXXX XXXX has no records of receiving the money from Discover card so they accounting department can not refund the money.
On XX/XX/XXXX, Called Discover and spoke with XXXX. He was informed of what XXXX XXXX stated and indicated that XXXX XXXX can contact Discover merchant service who can assist them with the records and that the money was sent to the XXXX XXXX merchant on XX/XX/XXXX.
On XX/XX/XXXX, Contacted XXXX XXXX and spoke with XXXX XXXX, he reiterated that the money is no longer in XXXX XXXX account and sent via email documentation to show the money was returned to Discover ( See Specimen No. # 8 ).
On XX/XX/XXXX, A final call was made to XXXX XXXX to speak with XXXX who said that XXXX XXXX was unable to complete the refund due to the dispute and that the money is with the Discover and they should refund the money to me.
This situation has caused us a serious financial hardship and I surely have had regret after having entered into a contract with XXXX XXXX after been overly influenced by the merchant seller who used very unfair and deceptive practices, lies etc. for example they provided a tour of the resort XXXX XXXX XXXX tell us that our exchange potential would be a similar five star hotel upon review the exchange potential of the hotels, they were not the same. They promised that we would always get this sort of room or Better. There were several discrepancies and misrepresentations made by XXXX XXXX merchant on the contract. For example, Page 1 of 5 of the contract states that XXXX and I are married. We never stated or implied that we were married and we are NOT married. The only wording on page 1 of 5 of the contract that is written in Spanish is marital status. Why is the marital status written in spanish casado. We speak english. This is misleading. False information on a legal contract is illegal and the practice of giving misinformation in a foreign language is deceptive. Page 4/5 of the contract under item # 17 it states that " In the event of deviation in language between the wording in foreign language and that in Spanish language, the Spanish language will prevail. '' Thus, the Spanish language of marital status " CASADO '' prevails on the contract and we are NOT married, thus, making this contract null and void. Page 5/5 of the contract is missing the representative/seller printed name. Also, the age is listed as XXXX years neither of us was that age on the date of the purchase, Thus, this makes the contract null and void as neither purchaser was XXXX years old at the time of signing on XX/XX/XXXX. Further, we were never told during the presentation of the cancellation period so we were never afforded the right to fully understand the right to cancel.We were told by the XXXX XXXX sales staff that as members, we would have hotel transportation to and from the airport. This was completely untrue as no transportation was provided when we left XXXX XXXX hotel.
In closing, I feel that we have been exploited, push around and told numerous lies by both XXXX XXXX sales staff and Discover Card representatives. Both entities are benefiting from this since I do not know who has the money to give it back to US. In addition, Discover card is charging over {$90.00} interest monthly. This is grossly unfair to a customer who has gotten no service for this money. I would be grateful if you can investigate this and have the {$8200.00} returned to us.
We can be reached at XXXX or XXXX.
Thanks in anticipation XXXX XXXX and XXXX XXXX.
Company Response: Closed with explanation
2017-10-07
Boca Raton, FL
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
2017-10-07
Puyallup, WA
Problem with a credit reporting company's investigation into an existing problem
Student loan: Private student loan
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2017-10-07
Orlando, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2017-10-06
Foothill Ranch, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them.
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!
Company Response: Closed with explanation
2017-10-06
Brooklyn, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification.
Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up.
Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed.
This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful.
I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account.
They refused to provide a copy of the internal complaint I submitted for " security reasons ''.
Company Response: Closed with explanation
2017-10-06
Bellaire, TX
Closing an account
Checking or savings account: Savings account
Funds not received from closed account
Complaint: I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location.
Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me.
This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx.
I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me.
I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media.
For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Company Response: Closed with explanation
2017-10-06
Hobart, IN
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 non-monetary relief
2017-10-06
Detroit, MI
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: For over 6 years I have been fighting with Discover Bank over them setting up fake accounts! I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site! discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!
Company Response: Closed with explanation
2017-10-06
NJ
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: : Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward
Company Response: Closed with explanation
2017-10-06
Christiana, DE
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
2017-10-05
Arco, CA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.
Company Response: Closed with explanation
2017-10-05
Los Angeles, CA
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: My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.
Company Response: Closed with explanation
2017-10-05
NH
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information.
I did neither! I was appalled at what was being asked of DISCOVER customers!
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses.
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.
Company Response: Closed with explanation
2017-10-05
Lk Buena Vis, FL
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.
Company Response: Closed with explanation
2017-10-05
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have not had or used a Discover Card since 1999. Pursuant to Florida Statute below, they had only five ( 5 ) years to attempt to collect this debt. I continue to receive calls from whatever entity purchased the Discovery Card debt - and this is now unenforceable and these calls are now harassment. I want to file a complaint against Discover Card for continuing to contact me and attempting to collect from me which is in clear violation of Florida Debt and Consumer Laws. This debt is over THREE TIMES past five year maximum amount allowable under the law ( pasted below ).
Title VIII LIMITATIONS Chapter 95 LIMITATIONS OF ACTIONS ; ADVERSE POSSESSION View Entire Chapter 95.11Limitations other than for the recovery of real property.Actions other than for recovery of real property shall be commenced as follows : ( 2 ) WITHIN FIVE YEARS.
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23 ( 1 ) ( e ), and except for an action for a deficiency judgment governed by paragraph ( 5 ) ( h ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
( e ) Notwithstanding paragraph ( b ), an action for breach of a property insurance contract, with the period running from the date of loss.
Company Response: Closed with explanation
2017-10-05
Discovery Bay, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain
Company Response: Closed with non-monetary relief
2017-10-05
Nashville, TN
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-10-05
NM
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: In XXXX XXXX, Discover closed my credit card.
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX.
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back.
I should have my double cash back on XXXX XXXX.
Before that, they close my account.
I lose several XXXX dollars.
The discover is not honest.
Company Response: Closed with explanation
2017-10-04
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: violates HIPPA, CRA. Sent police report and credit report
Company Response: Closed with explanation
2017-10-04
Bedford, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX
Company Response: Closed with explanation
2017-10-04
Hiram, GA
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
2017-10-04
Five Points, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks
Company Response: Closed with non-monetary relief
2017-10-04
Cheverly, MD
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XXXX XXXX, XXXX I submitted correspondence to Discover Card because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Discover Card on XXXX XXXX, XXXX.
Company Response: Closed with explanation
2017-10-04
Clayton, GA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation