DISCOVER BANK

2017-08-07

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!
Company Response: Closed with explanation

Timely Response

2017-08-07

Henderson, NV

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-08-07

Charlotte, NC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-08-07

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!
Company Response: Closed with explanation

Timely Response

2017-08-06

MO

Improper use of your report

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

Reporting company used your report improperly
Complaint: I moved from XXXX to XXXX, MO. On that move the mover damaged antiques and furniture. I asked Discover credit cards to dispute the charge and of course they denied my request. I recently bought furniture and it up my credit that I owed. Not out of line at all. I made my displeasure with their determination known and I did NOT AGREE with the outcome. I checked my credit score and because they said I agreed with the dispute XXXX XXXX and XXXX lowered my score. The lied to XXXX credit bureaus about my feelings on their determination and that if not illegal, certainly should be. I want Discover to change their lies on my credit report immediately. I sent Discover an email about my dispute and displeasure with their decision and they lied about my feelings on this because simply, they wanted the money and sided with a corrupt furniture mover who has damaged antiques and furniture for many people. So as I see they are as corrupt as the movers. I WANT THE TRUTH ON MY CREDIT REPORT IMMEDIATELY. I AM SICK OF THESE CORRUPT COMPANIES GETTING AWAY WITH RUINING PEOPLES CREDIT BECAUSE THEY CAN. AND I WILL GET MY ATTORNEY INVOLVED BECAUSE THIS IS A BOLD FACE LIE ON MY CREDIT REPORT. I WANT IT RESOLVED TO THE TRUTH, IF THAT EVEN MATTERS ANYMORE IN THIS COUNTRY AND FROM THE LOOKS OF OUR PRESIDENT, MY GUESS IS ITS A NEW LOW IN OUR COUNTRY. AND APPARENTLY YOUR IN BED WITH THEM AS WELL AS I HAVE NOT SEEN YOU HELP ONE INDIVIDUAL.
Company Response: Closed with explanation

Timely Response

2017-08-06

Detroit, MI

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!
Company Response: Closed with explanation

Timely Response

2017-08-06

Bentley Spgs, MD

Problem when making payments

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

Problem during payment process
Complaint: Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court. I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented. I have gotten no response from Discover Card or their attorneys.
Company Response: Closed with explanation

Timely Response

2017-08-06

Christiana, DE

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
Company Response: Closed with explanation

Timely Response

2017-08-05

Edison, NJ

Getting a credit card

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

Sent card you never applied for
Complaint: XXXX XXXX XXXX NEEDS TO SEND ALL DOCUMENTS TO THE COURTHOUSE IN RESPONSE TO THE SUBPOENA SENT TO THEM.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-05

Tibbs, MS

Problem when making payments

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

Complaint: The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.
Company Response: Closed with monetary relief

Timely Response

2017-08-05

IL

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: I am having a problem with my credit card account with XXXX XXXX XXXX. I have a consumer credit card account with them and on XXXX XXXX of 2017 I transferred {$1200.00} of my balance on that account to my XXXX XXXX credit card account at 0 % interest for one year on the balance transfer. On XXXX XXXX the transaction cleared on XXXX XXXX 's books and showed as a {$1200.00} debit on my account from XXXX XXXX XXXX. However, as of X/X/2017 at XXXX eastern time on my Discover account summary there was no entry for a credit of {$1200.00}. The {$1200.00} is still on XXXX XXXX 's books at the SAME time it is on XXXX XXXX 's books. It 's been on Discover 's books for ONE WEEK. XXXX transfers take about 1 to 2 days so how can Discover account for it still being on their books billed to my account? I called Discover and asked this question. I spoke to a XXXX " XXXX '' and she said that they do not see any transaction entered by XXXX XXXX for this transfer. I asked if she could put that in writing and send it to me. She said she could not. I then asked if she could escalate this to her supervisor. She did. I asked her supervisor, XXXX " XXXX '' and she said they do not have a process for this. I was very animated at this point as this is completely improper. I explained to XXXX XXXX that I did a similar transaction with XXXX XXXX and that showed up properly on the books of both XXXX and XXXX XXXX with the transaction clearing at XXXX XXXX on the XXXX and at XXXX on XXXX XXXX ; which is a typical XXXX transfer. I then said basically ( I am paraphrasing here ) " one week plus to clear a swift transfer? This is XXXX! I suddenly owe with interest {$1200.00} to Discover out of thin air??? '' Either XXXX XXXX is lying and entering a balance onto their books they never received or Discover is lying and are not showing the balance transfer on their books. Folks, I suspect someone is padding their balance sheet here. And I can imagine why. I have been inundated with 0 % balance transfer offers. And to me this is a financial instrument I want to use to pay off existing balances with a lot more ease. They make money off the fees. They take the risk. Why not? Why should XXXX XXXX and XXXX XXXX over at the XXXX and their bankster pals get ZIRP and shmucks like us get 14 % amd 26 %. So as a responsible consumer I took advantage of this offer to manage my debt by spreading out the payments at 0 % and using my earnings productively during that time period to invest in hard assets or just save it as a cash reserve. And these XXXX at Discover do n't put the transfer and leave it on their balance sheet for a week? XXXX did so why did n't they? And then I ask myself : how many other poor shmucks are they doing this to and how much does that add up to as an inflated valuation on their balance sheet? Is it a one time thing just on my account or are these clowns doing this over a whole bunch of balance transfers? You guys can look into that part if you want, because if you ask me, I smell a rat. But what I really want you to help me with is this {$1200.00} Discover is trying to XXXX me on. They basically said in a more polite way " XXXX you, talk to XXXX XXXX ''. Needless to say that sent me to the moon, but there is not much some low level employee of Discover can do about it. And I am not some big shot with millions in an account at some investment bank. I was basically venting and spitting in the wind. I did get them to agree to escalate it to executive support regarding them putting it in writing that they never got the balance transfer request from XXXX XXXX. Basically they would put in writing that they think XXXX XXXX are deadbeats. Fat chance they 're going to do that. So finally I called XXXX XXXX but their Account Specialist desk was the only authority that could deal with the problem and they were closed for the evening. However, the rep I did speak to was very helpful and confirmed that the transfer from Discover was legit. It did clear and they got the money from Discover. They also said they would pursue an investigation if I called tomorrow. On the other hand that Discover was NOT helpful and told me to basically get lost says a lot about what 's going on here. Now I figured the only think I have left to turn to for help is your agency. Which is why I am filing this complaint with the CFPB since as feds with the authority to investigate shenanigans by the banks and other lending institutions, you 'd have some muscle and can lean on Discover a lot harder than XXXX XXXX can lean on them. At this point I am also about *this* close to calling my attorney as well and see what advice he has. The way I see it someone is either grossly negligent or committing a willful act of fraud on their books. Either way I am getting screwed here and I am mad as XXXX about it. Sincerely, XXXX XXXX XXXX ... a fed up consumer. Fed up with the banksters. And just plain fed up. PS : You know all this 0 % balance transfer madness by the banks is a canary in the coal mine and this is n't going to end well. They 're all doing it. Credit is squeezed. So they 're robbing XXXX so XXXX can shore up their balance sheets. And I am getting the sense that the lending institutions with weak balance sheets are in panic mode. Discover may be one of the weak antelopes in the herd when the bond vigilantes and short sellers come out of their graves like XXXX XXXX XXXX XXXX XXXX. It 's one big fat mother of all bubbles, the systemic risk is higher, the connections exponentially more complex, and the impact far greater. It 's going to be the XXXX crisis and credit freeze on steroids, except this time the nit wits in the XXXX, XXXX and XXXX that made the problem worse are out of ammo. Everything they know is wrong. And so are their models and their policies. And just look at all the stinky piles of XXXX on the Fed 's books from the money printing and spending spree on garbage securities of the past 9 years. With all that they wo n't be able do a thing to keep the whole Ponzi scheme from unraveling. Pay off whatever debt you can as fast as you can folks. That 's what I am doing. Or at least am trying to do if Discover would just honor my transaction!
Company Response: Closed with explanation

Timely Response

2017-08-05

Huntington Park, 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

2017-08-04

Hawthorne, CA

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2017-08-04

Methuen, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with monetary relief

Timely Response

2017-08-04

Edison, NJ

Getting a loan

Student loan: Private student loan

Fraudulent loan
Complaint: I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-04

Yonkers, NY

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2017-08-04

Lewisville, TX

Fees or interest

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

Problem with fees
Complaint: I notice that my payment that I submitted to Discover Card on XXXX XXXX , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time ( XXXX Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.
Company Response: Closed with explanation

Timely Response

2017-08-04

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: My wife and I have been subject to family credit card abuse. In XXXX 2016 my wife allowed our daughter to use our Discover card for 2 rent payments. Our daughter and our estranged son-in-law used that card for other purposes, and when my wife canceled it, they originated a Discover card of their own with my wifes info and had it mailed to themselves and then they made thousands of dollars of XXXX XXXX purchases, cash advances, etc. We have cancelled the Discover card at least 3 times to stop this abuse. We have filed the required Police report. We have talked to Discover over 20 times, for probably over 30 hours and they have found 'no fraud ' because of my wifes earlier allowance of the use of the card info for 2 rents. XXXX XXXX , XXXX XXXX XXXX XXXX XXXX have all found and substantiated 'Fraud ', yet Discover has n't. We have provided them all of the fraud transactions, and have sent them a 4 page letter detailing all of this. Every time we call the Disc. fraud dept. we get a different person, and they say they will not investigate further. 2 withdrawals totaling {$11000.00} thru XXXX XXXX , XXXX Pa, in XXXX still have n't been investigated by them, and we are fearful that pertinent information about those may be lost due to Discovers inaction. Discover disregards the fact that we canx 'd at least XXXX cards in a period of a few months to stop this abuse. Without this getting resolved we ca n't get our relationship back with our daughter and that is killing us emotionally!
Company Response: Closed with explanation

Timely Response

2017-08-04

Helvetia, OR

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-08-03

OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I was not properly informed about the terms of the loan. I was not mailed an initial confirmation letter nor a loan monthly/annual summary statements in the first 4 years of the loan. I was not told the loan was purchased by Discover. I Did not understand the loan was at a variable interest rate. My mother XXXX XXXX was put as a co- consigner. She was not present when I toke out the loan. We did not find out until years later. My father 's signature show as the only co signer, yet my mother is on all the paper work. I ask Discovery for a copy of the original loan paperwork with the cosigner signatures and was sent one. Only my father. I have been paying on this $ XXXX loan about {$190.00} a month for several years. The balance is $ 16k approximately. I found on the internet others have had this same problem. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-discover-bank-to-pay-18-5-million-for-illegal-student-loan-servicing-practices/ Please help!
Company Response: Closed with explanation

Timely Response

2017-08-03

Lk Buena Vis, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Someone opened a Discover Card Acct in my name. I 've tried to get this resolved and reported as fraudulent but to no end. What makes no sense at all is that, this is the 2nd card that was opened in my name and written off through Discover card. How is it even possible to to that?
Company Response: Closed with explanation

Timely Response

2017-08-03

Flint, MI

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.
Company Response: Closed with explanation

Timely Response

2017-08-03

Providence, 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: In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.
Company Response: Closed with explanation

Timely Response

2017-08-03

Long Beach, CA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-08-03

Marietta, GA

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