DISCOVER BANK

2017-09-12

Canandaigua, 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

2017-09-12

Terryville, CT

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-09-11

Stkn, CA

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2017-09-11

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2017-09-11

Cleveland, OH

Other features, terms, or problems

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

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

Timely Response

2017-09-10

Rio Piedras, PR

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-09-09

Los Angeles, CA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-09

Boston, MA

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2017-09-09

Austin, TX

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2017-09-09

Collegeville, PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2017-09-09

Marysville, OH

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2017-09-08

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold by Discover? I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 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! How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!
Company Response: Closed with explanation

Timely Response

2017-09-08

Dallas, TX

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
Complaint: On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.
Company Response: Closed with explanation

Timely Response

2017-09-08

TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. thanks, XXXX XXXX XXXX XXXX, Texas
Company Response: Closed with non-monetary relief

Timely Response

2017-09-08

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: 1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX. 2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX. 3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX. 4. This complaint is about Discover Bank. 5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.
Company Response: Closed with explanation

Timely Response

2017-09-08

Farmingtn Hls, MI

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

2017-09-08

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: Unauthorized inquiry.
Company Response: Closed with explanation

Timely Response

2017-09-08

Galena, OH

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Discover student loans is currently the administrator of a series of student loans that were originated between XX/XX/XXXX-XX/XX/XXXX by XXXX. Over the last 6 months they 've increased my interest rate a series of times. I reached out and requested an explanation as my believe was my original loans were fixed rate loans. I was informed that I was wrong. I requested my original promissory note and loan origination documents and they informed me that they did n't have that on file and they needed to request that from XXXX. That was almost two months ago and every time I request an update, I 'm told it takes time. My issue is that they 've increased my interest rate without proper explanation as to why, and they ca n't prove to me it 's even something they are allowed to do. How is it even remotely legal for a loan company to purchase a loan and not be required to keep all of the original documentation on file?
Company Response: Closed with explanation

Timely Response

2017-09-08

Irwin, PA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2017-09-08

Cheverly, MD

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: Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.
Company Response: Closed with explanation

Timely Response

2017-09-07

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2017-09-07

Fort Worth, TX

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 filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?
Company Response: Closed with explanation

Timely Response

2017-09-07

Atl, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2017-09-07

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2017-09-06

Hartford, AR

Getting a credit card

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

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

Timely Response