DISCOVER BANK

2017-08-18

Etna, OH

Fees or interest

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

Problem with fees
Complaint: CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
Company Response: Closed with explanation

Timely Response

2017-08-18

NY

Getting a credit card

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

Application denied
Complaint: After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.
Company Response: Closed with explanation

Timely Response

2017-08-18

Austin, TX

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with monetary relief

Timely Response

2017-08-18

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-08-18

Dublin, CA

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-08-18

Mt Pisgah, IN

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

2017-08-18

Columbus, OH

Improper use of your report

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

Reporting company used your report improperly
Complaint: As per my last discussion with XXXX, in regards to my last CFPB complaint i was advised there was nothing else that could be done on Discover 's end and i would have to address my concerns with XXXX, Therefore I spent an hour with XXXX, to be referred back to Discover in regard to this issue, as they were unable to locate any collections filed against me, nor have a process for customers to dispute the way they 're fido score is reporting with as credit card benefit. As I trust there is truly no issues with my XXXX credit report, I am still determined there is an unresolved issue on Discover 's end with the reporting of the Fico score. I have contacted Fico in which i was instructed to have the files matched to reflect each other correctly. I tried to bring this up to their attention, I was assured there is no process in which this could be done. As i understand my last request was in regards to the APR request being declined due the " suppose '' information being reported on my credit file. I am beyond this request as not i do n't feel its fair practices as a customer to receive this benefit, however it being in accurate information. I understand Discover does n't know whats being reported and is only given the information from their third party. However I feel there should be a process for them to ensure the Fico score they are providing me is correct and they are just not taking their third party " assurance '' it correct. The last time I contacted discover, I provided them with a copy of my credit report for their review, when in reality i was turned away to received the run around for information Discover is only able to see.
Company Response: Closed with explanation

Timely Response

2017-08-17

Kerrville, TX

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-08-17

Manor, 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

Timely Response

2017-08-17

Berkeley, CA

Trouble during payment process

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

Complaint: I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.
Company Response: Closed with explanation

Timely Response

2017-08-17

Aurora, CO

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-08-16

Philadelphia, PA

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
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2017-08-16

Myrtle Beach, 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
Company Response: Closed with monetary relief

Timely Response

2017-08-16

Myrtle Beach, 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
Company Response: Closed with monetary relief

Timely Response

2017-08-16

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: stuff i just found on my report attach i file with XXXX police dept
Company Response: Closed with non-monetary relief

Timely Response

2017-08-15

Simi Valley, CA

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: Back in XXXX of 2016 I got an offer to transfer balance and get interest free for 1 year. I thought this was something that could help me get my bills lower, however due to deception I did n't realize that when I make the payments Discovers computer will pay down higher interest first, meaning that unless I paid all the previous balance first. So I transferred XXXX dollars and later found out that I had been tricked and ultimately got no interest free promotion on the XXXX dollars and ended up paying full interest. Discover hires smart people to think this up and they know exactly how it will play out. Today I found that 2 payments were made for the monthly payment. I had thought I was going to be late in the month of XX/XX/XXXX and called Discover to see if they could deffer the payment for 1 month. They would not do this and instead talked me into setting up an auto pay for the following month. This is not what I wanted, but the gave a XXXX dollar credit ( still not exactly sure why ), and talked me into the autopay. I ended up making the payment on time and called to cancel the autopay and for some reason it was not canceled and rather they rolled it over for another month. This is not what I wanted and not what I called about. But because Discover wants everyone on autopay they pushed back and ultimately did cancel the auto pay which was the ONLY reason i called that day. Today I had to spend almost 2 hours getting discover to fix their mistake. This involved a conference call with my bank to be sure the payments really went through ( guess they did n't believe me ). They wasted my time and I want compensation for this gross waste of my time.
Company Response: Closed with explanation

Timely Response

2017-08-15

Detroit, MI

Fees or interest

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

Problem with fees
Complaint: Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud! The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!
Company Response: Closed with explanation

Timely Response

2017-08-15

Mill Creek, IN

Incorrect information on your report

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

Account status incorrect
Complaint: I settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.
Company Response: Closed with explanation

Timely Response

2017-08-15

NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
Company Response: Closed with explanation

Timely Response

2017-08-14

Fisher Island, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-08-14

Five Points, NC

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: Discover Financial Services ( Discover ) grossly mishandled two related charge disputes I initiated and has refused to acknowledge its negligence and to rectify the resulting damage. Recently, I discovered that my damage due to this negligence continues when I saw that Discover had made adverse reports regarding this matter in the credit files for me and my husband. My husband, XXXX, and I disputed the adverse entries on our credit reports by filing disputes with XXXX who conveyed the disputes to XXXX and XXXX. My husband had been added as an authorized user of my Discover account, but he was not responsible for paying the account nor was he asked to pay. Discover agreed to remove its adverse report from XXXX credit file, but the adverse entry remains in my credit file. It is difficult to ascertain the damage caused by these adverse entries. I applied in XXXX to refinance my house. Would I have gotten a better interest rate if those entries had not been made? My car insurance increased around the beginning of XXXX by about {$50.00} for no known reasons such as driving infractions or claims. Has my husbands recent job search been affected? Was his job search affected around the same time last year causing him to be limited to getting a contract position? At the same time these credit disputes were filed, I sent a fax to Discover detailing my grievances and requesting corrective actions in a final attempt to resolve this matter directly with Discover. To my knowledge, Discover has made no effort to communicate with me regarding my credit report dispute or letter of XXXX XXXX, XXXX faxed to them. I explained and documented the mishandling of the disputes in great detail in the XXXX XXXX letter to Discover, so I have attached a copy instead of attempting to rehash the details here. I have supplemented this attachment with relevant Discover account statements that I did not send with the letter because these were Discovers own records. One complete statement is included along with the other statements with extraneous pages removed to save on unnecessary printing and paperwork. Please note : for the period from XXXX XXXX to XXXX XXXX, XXXX there was no account statement. I have also attached a portion of my XXXX credit report dated XXXX XXXX, XXXX showing Discovers adverse entries. I have redacted information in the attachments that should not be made public, such as credit card and account numbers and my personal contact information, by superimposing a text box containing xs or # s over the redacted information. Complete documents are available as needed for non-public uses. The only issue I didnt address in previous communications with Discover is that Discover still owes me a cash back bonus of {$38.00} that was due to me as of XXXX XXXX, XXXX, which is prior to XXXX unauthorized charges being added to my account. With the exception of this bonus, I have asked the following of Discover. 1. Remove ALL references to adverse actions reported to credit reporting agencies with respect to me and my husband. 2. Remove the 2 originally disputed charges and any additional charges by XXXX. 3. Reverse ALL Late Fees and Interest Charges on my account. 4. Reinstate my Discover account with a clean slate under my previous terms and restore my {$38.00} cash back bonus. 5. Take care of these issues without wasting any more of my time and energy. 6. Issue an apology for Discovers negligence in handling these disputes and issue a check to me to reimburse me for my time wasted due to this negligence. Due to the complicated morass created by Discovers multiple instances of negligence, its extreme recklessness, as well as its cover-up of mistakes, I believe that Discover should be required to reimburse me for the excessive time required for me to ascertain and address Discovers actions. I have also added to my requests that Discover should be required to pay a penalty for damaging XXXX and my credit-worthiness and reputations. Discover should be punished for wrongfully punishing us for problems resulting from Discovers negligence, and possibly, malfeasance. Whether it is an amount to make us whole or to punish Discover and encourage better behavior, Discover should be required to pay reimbursement and penalties in addition to being required to set other matters right. Attachments : XXXX XXXX, XXXX Letter to Discover with Attachments XXXX Discover Account Statements for the Periods from XXXX XXXX through XXXX XXXX, XXXX Discovers Adverse Entry in XXXX XXXX Credit Report on XXXX XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2017-08-14

Orange Park, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-14

PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Company Response: Closed with explanation

Timely Response

2017-08-14

Long Island City, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Company Response: Closed with explanation

Timely Response

2017-08-14

Detroit, MI

Other features, terms, or problems

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

Other problem
Complaint: From about XX/XX/XXXX when I notified Discovery Bank that I am calming XXXX on their payment protection plan they have tried to take more money out of my bank then I authorized. I would authorize a {$100.00} payment on each of my card to them, they would try to take from {$100000.00} to {$10000.00}! then would charge my cards with that amount as if it was a transfer to my bank! I would call them they would say " computer error we fix ''! they did not fix the " computer error. They even got {$5000.00} from one of my other credit cards that I did not authorize. Seems that Discover has been sued a number of time for stealing for consumers!
Company Response: Closed with explanation

Timely Response