DISCOVER BANK

2017-09-27

Manhattan, NY

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2017-09-26

NC

Incorrect information on your report

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

Personal information incorrect
Complaint: I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Company Response: Closed with explanation

Timely Response

2017-09-26

Houston Lake, MO

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

2017-09-26

Centereach, NY

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with explanation

Timely Response

2017-09-26

Manhattan, 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
Company Response: Closed with explanation

Timely Response

2017-09-26

Delray Beach, FL

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 monetary relief

Timely Response

2017-09-26

El Paso, TX

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2017-09-26

Martinsville, VA

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 purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.
Company Response: Closed with explanation

Timely Response

2017-09-26

MI

Closing your account

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

Company closed your account
Complaint: On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.
Company Response: Closed with explanation

Timely Response

2017-09-25

Detroit, MI

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>> They have tried to take money out of my bank also!!!! Also they open a XXXX XXXX charge card in MY name!!!! And maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!! This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!
Company Response: Closed with explanation

Timely Response

2017-09-25

Three Bridges, NJ

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

2017-09-25

San Jose, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-25

Missouri City, TX

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

2017-09-24

Cutler Bay, 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
Company Response: Closed with explanation

Timely Response

2017-09-24

Discovery Bay, CA

Problem when making payments

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

Problem during payment process
Complaint: Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
Company Response: Closed with explanation

Timely Response

2017-09-24

Warren, RI

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: When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets?? When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.
Company Response: Closed with monetary relief

Timely Response

2017-09-24

Columbia, SC

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: Discover Card allowed someone to open an account in my name without my authorization at an address where I never lived. Discover Card tells me through a debt collector that I owe money. Discover Card was able to locate my correct address and call me to try to collect but not to verify that I actually opened the account. I asked Discover Card to provide proof ( e.g., signature ) that I authorized opening the account. XXXX has not and apparently will not provide proof that I opened the account. XXXX in response to my request sends me a letter with the subject line " XXXX to XXXX for XXXX ''. The letter and enclosed material shows the charges that were made under my name. I did not want nor authorize XXXX to open an account in my name. Since I did not authorize opening the account, sending me proof of fraudulent charges is irrelevant. Discover Card never attempted to contact me when the account was opened nor when it was late. If they had, I would have told them then I did not want their card, nor did I authorize anyone to open an account in my name. The account was opened in XXXX and they are just now contacting me. The account ends in XXXX in the amount of {$3300.00}. XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX. Ref. XXXX for Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX c/o Discover Products, XXXX New XXXX XXXX OH XXXX
Company Response: Closed with explanation

Timely Response

2017-09-23

Wilmington, DE

Improper use of your report

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

Reporting company used your report improperly
Complaint: In approximately XX/XX/XXXX, I received a bill with a late fee attached from Discover card - whom I have been a longstanding, good faith customer. Perplexed - because I have had electronic payments in place for years - I called them to inquire. They explained that every so many years customers electronic payments become void. I advised that I was not notified of this, they apologized, saying they 'd remove the late fee and we just needed to go through the process of reinstituting electronic payments again. I supplied my routing number and was told all was good to go. They again apologized stating I was a good customer that they did not want to lose. The following month I again received a late fee on my bill. This time I was much more perplexed and frankly, annoyed. I called again XX/XX/XXXX and asked immediately for a supervisor. I finally was connected with one who once again apologized profusely and said they must have entered my routing number incorrectly ... and I would have to go through the whole process of supplying that all over again. I reluctantly agreed - thinking I should just cancel the card - but was assured they would finally make it right this time. They again said they would absolutely remove the late fee due to their error. Nothing else happened ... until earlier this week when - in the middle of a real estate transaction - I received a call from my mortgage company saying they had bad new : Discover credit card reported a late payment to the credit bureaus from XX/XX/XXXX, which plummeted my score almost 50 points! I was disturbed to say the least. I contacted their executive office that day and spoke with XXXX. I explained the situation and asked that they expedite rectifying this situation - for the third time now - by supplying me with a letter that they would move to remove that incorrect report from my credit report. He said the normal time it would take to look into it was 2 days but he would try to expedite the request and would return my call that day. The next day - after no return phone call - I called again. I supplied XXXX with further documentation from my phone calls in XX/XX/XXXX and XX/XX/XXXX - including whom I spoke with what they said. He concurred that everything I said matched what he saw documented, said he would check on where the decision was, and again said he would call me back - either way - that day. After receiving no return call, I called again the next day and left a message on their voicemail. No return call. I called again the next morning and asked to please be transferred to someone else to handle this matter. I was told by XXXX that they are not allowed to transfer any matter once it starts with a certain person there but that XXXX would call me back when he got in that morning. Later that afternoon - after no return phone call - I called again. They eventually transferred me to XXXX who reluctantly explained that after " they '' reviewed the tape from my call in XX/XX/XXXX ( because " XX/XX/XXXX was too old '' and they destroy tapes after a certain time ) " they '' are calling this matter " undetermined '' because they could n't quite decide if they recorded my routing number in error or that maybe I stating my routing number incorrectly. I asked who " they '' were and he said " management ''. I told him that they could not possibly have listened to that tape and concluded that it was not their error, because they would have heard how upset I was that I was again taking time to deal with their mistake and the manager from discover apologizing profusely and admitting that they made the error. He then added that he also listened to the tape. So I confirmed with him exactly what he should have heard and he agreed but left room for " the fact '' it was n't completely clear who made the error. I told XXXX that since we had been getting to know each other all week - I could tell that he did n't even believe what he was telling me! I told him all week he had been telling me what he ca n't do to help and I wanted to know what he could do to help..? He said he had asked them again to make " an exception ''. ( Not sure what that means, but given the circumstances, I assume he means an exception to them ever admitting - at least in writing - that they make a mistake! ) I told him since my hands are tied, and now after they have made 3 mistakes - the last of which could cost me a real estate transaction - which they will not rectify - I will be contacting an attorney and/or media for a remedy, as clearly I was getting no where myself. After speaking with a good friend who works for a large bank, I am contacting CFPB, as he said you are the ones who will get this done. I would greatly appreciate any and all assistance you can provide to help protect this consumer, and other consumers, from these erroneous and frivolous acts of big businesses like Discover credit card.
Company Response: Closed with explanation

Timely Response

2017-09-23

OH

Problem when making payments

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

Problem during payment process
Complaint: I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she agreed to be be recorded.
Company Response: Closed with explanation

Timely Response

2017-09-22

Lees Summit, MO

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

Timely Response

2017-09-22

East Freehold, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-22

OH

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 received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.
Company Response: Closed with explanation

Timely Response

2017-09-22

Lewisville, TX

Incorrect information on your report

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

Public record information inaccurate
Complaint: I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.
Company Response: Closed with explanation

Timely Response

2017-09-22

Okc, OK

Other features, terms, or problems

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

Add-on products and services
Company Response: Closed with explanation

Timely Response

2017-09-22

NY

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''
Company Response: Closed with explanation

Timely Response