DISCOVER BANK

2017-07-11

Redondo Beach, CA

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

2017-07-11

Glen Allen, VA

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with monetary relief

Timely Response

2017-07-11

Northside, NC

Incorrect information on your report

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

Account information incorrect
Complaint: in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
Company Response: Closed with explanation

Timely Response

2017-07-11

Fayetteville, NC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-07-10

Bronx, NY

Problem when making payments

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

Company Response: Closed with explanation

Timely Response

2017-07-10

Las Vegas, NV

Other features, terms, or problems

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

Other problem
Complaint: I have already filed a complaint with you about this company in trying to reach a settlement on the account. See attached letters from company after I paid an agreed upon amount by check for settlement. Discover will not admit that the account has been settled and yet they accepted our check with this understanding.
Company Response: Closed with explanation

Timely Response

2017-07-10

Mi Metro, MI

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2017-07-10

Chester, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Closed with explanation

Timely Response

2017-07-10

Aurora, CO

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

2017-07-09

Albuquerque, NM

Incorrect information on your report

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

Account information incorrect
Complaint: After reviewing my credit report noticed an account collection by XXXX. I contacted the original creditor, Discover and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with Discover to no avail. This is damaging to my credit and preventing me from future financing opportunities.
Company Response: Closed with explanation

Timely Response

2017-07-08

Thousand Oaks, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2017-07-07

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-07-07

Mabank, TX

Other features, terms, or problems

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

Other problem
Complaint: I close my account with discover bank credit card around XXXX XXXX . 2017 and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my XXXX dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending XXXX and I need this money cause I 'm unemployed
Company Response: Closed with explanation

Timely Response

2017-07-07

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-07-07

Philadelphia, PA

Closing your account

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

Company closed your account
Complaint: The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.
Company Response: Closed with explanation

Timely Response

2017-07-07

Traver, CA

Problem when making payments

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

Problem during payment process
Complaint: On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.
Company Response: Closed with explanation

Timely Response

2017-07-07

FL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I am currently struggling to make full payments on my private loans. I have been for a while. I 've been in and out of school in the past few years, and I 've been laid off from a job. I 've spent a year couch surfing, because I did n't have a place to live. I am trying to work a payment system with my loan companies which allows me to make a reasonable payment to them each month in an effort to show in good faith that I am attempting to avoid reneging on my agreement. The loan has very rigid assistance programs, but they are also very limited. I have exhausted all of the payment options. The circumstances in my life have been more than I expected. I borrowed before the economic collapse, and I never anticipated the burden that my loan would later become. I returned to school full time for a while, and as I had already exhausted the grace period after I left school the first time, there was not another grace period available to me. I asked for an income based reduced payment plan. They offered me a plan that would be interest payments only for six months with the option to renew at the end of six months. They did tell me that this would only be offered twice, and then I would have to make regular payments for six months before I would be eligible for other plans. <P/> I 've been working to remedy things and get my finances in order so that I can make regular payments. I got laid off from my job during that time. I relocated to Florida in an attempt to find a new job somewhere where the job market was better. I had to reapply for the assistance program. They warned me that it would be the last time. <P/> As this plan was coming to an end, I was slightly behind on my XX/XX/XXXX 2017 payment. I chose to remedy this, as I was caught up in trying to figure out where I was going to live that month in XX/XX/XXXX. Basically, whose couch was I going to be sleeping on for the next few weeks until I am asked to move on again. I do realize by all rights that I had no more plans available to me at this point. However, I called expecting them to be reasonable and pulling out another trick they could have up their sleeve. <P/> I called them on XX/XX/XXXX to appeal for an additional reduced payment period. I talked to them for about two hours to resolve the problem. It ended in my being given a forbearance to make my account current, as well as what was described to me as an extension of the payment plan that would run from XX/XX/XXXX through XX/XX/XXXX. I agreed to automatic debits of my checking account in order to make the payments on time each month. That, and with my day to day living situation in disarray, I would n't have to actively remember to do it each month. I could just make sure that there was enough money set aside each month so that the payment would be there. I verbally agreed to payments of {$98.00} each month to be automatically debited on the XX/XX/XXXX of each month. They placed a forbearance, which I verbally agreed to as well, and payments were set to begin on XX/XX/XXXX. <P/> On XX/XX/XXXX, they sent a letter to me explaining how I was not eligible for the repayment plan. However, I had just moved again, and my mother thought that she would be helpful and wrote a forwarding address on the envelope. This was not forwarded to me by the post office, as they had requested return service on the envelope. <P/> On XX/XX/XXXX, I received an email explaining that they had recently attempted to mail me some important information, but that they were notified by the postal service that the address is not current. The email told me to log in to my online account portal and update my address and review any important secured messages that I have. I did just that. I logged in, I updated my address, and I did n't have any unread messages or notifications. As this was the only action that was advised to me in the email, I never thought of it again. <P/> Payments of {$98.00} continued to come out of my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Nothing happened to indicate that things were n't right, nor was there any real attempt to contact me. No voicemails were left on my phone. Emails would go to spam, or if they did come in, they were addressed from something innocuous, such as " Service '' and the Subject Line would be something inconsequential to the effect of, " Updated Information. '' None of these emails looked like anything that was important enough to open. Many of them I deleted without opening, because they looked like junk emails. The company 's name nor the subject of the email indicated who it was from or why I needed to take it as anything other than spam. <P/> In early XX/XX/XXXX, I got a notice from XXXX XXXX that my credit score had dropped from the low XXXXs to the low XXXXs. I could n't figure it out why, as I thought I had been making my payments on time. I was happy that despite my hardships, I was working on getting my life put back together, and still making some kind of payment to them each month to show a gesture of good faith that I do intend to fulfill my responsibilities. These payments were not easy to come by, but they were what I was able to do. <P/> I called Discover on XX/XX/XXXX to find out why my account was showing a past due balance when I have had automatic payments going out. All I was met with were questions to the effect of : Why did n't you call us back after the email that said that we had important information for you? Why did n't you open and read your statements every month and see that your payments were n't covering the cost of your amount due? Why are you only working 40 hours per week when it is not enough to cover your balance? Why ca n't you get a better job? Why should it be our responsibility to contact you when you have n't bothered to check on the status of your payments at all? <P/> The point of my setting up automatic payments is so that I can just have the security of knowing that the payments will be made when they are due to be made. I do n't want to think about money all the time. When I get paid each other week, I simply automatically deduct the amount of the bill coming up on whatever day it is scheduled to come out. That way, I can just know that I wo n't forget the payment. It will be taken care of automatically. I put my monthy statements in a box, and I review them if a problem arises. I do n't waste my time opening something every month when I have every reasonable expectation that I can presume that I wo n't read anything that I do n't already know. The conversation on XX/XX/XXXX ended with the agent telling me that she would look into what happened as to why I was offered something, and verbally agreed to by stating my name for the recording, that I was told later that I did n't qualify for. I asked that Discover could take accountability for making me believe I was set up for something I instead was not set up for. She said she would call me back within one week. She never did call me back. <P/> In the meantime, I was moving again. I found my own apartment, and I have taken on monthly rent payments. The rent is less than 1/3 of my income, so it is reasonably affordable for me. I never followed up on the call, because a ) she was going to call me back when they found out something, and b ) I got distracted by moving. I do n't feel as bad about part b, because she assured me that she would call me back personally, and I figured that the ball was in her court, and it might take a while, but I am willing to wait. <P/> My payment of {$98.00} again came out of my account on XX/XX/XXXX. <P/> I called again on XX/XX/XXXX, as I noticed that the payment was settled again. I asked what was the situation on my investigation. The agent who first took my call immediately started into the lines of how are we going to settle your past due amount today, etc. I cut them off and told them I was just waiting for a call back. At that point, I started being passed up the chain again and having to explain my case anew to everyone I talked to and all they would tell me is that the previous agent left notes, but they would n't necessarily tell me what were in the notes. After I was handed up a couple of times, with each new agent acting like this was the first they were hearing of my situation, I ended up getting disconnected by my phone dying, and I did n't have the patience to try again. <P/> My payment of {$98.00} came out of my account on XX/XX/XXXX. <P/> On XX/XX/XXXX, I got a voicemail message from Discover stating that they only had 72 hours to work with me and that I needed to call them ASAP. Then they gave me the business hours. I was unavailable during business hours until my day off of work which would have been two days later. <P/> On XX/XX/XXXX, I called back. I had explained everything all over again to the new agent who did a good job listening to me. However, after all was said and done, and I got to the part where I want to hold them to accountability for offering me something that they withdrew from, he said he would be happy to check on that, and he promised to call me back within the next 48 hours. He did convince me to make two payments in the amounts of {$24.00} and {$170.00} ( which I then had to recover from my mother so that I would be able to pay my rent in two days ) in order to prevent my account from being signed off to the insurance company so that they would be able to continue to work with me. They told me that if the insurance company signs the loan over, then the entire amount will be due, and they can seek legal means of collection from both my mother and me, but exactly how would be determined by the means that the insurance company decides is in their best interests to recover the debt, plus my mother and I would both receive an XXXX report on our credit history. I never heard back from the guy who said he would follow up with me. <P/> XX/XX/XXXX, I was called by Discover. They told me that my loan was 149 days past due, and that there was a payment scheduled to come out tomorrow, on XX/XX/XXXX, but that it would not be enough to bring my account to current status. They basically said that if I do n't pay {$350.00} by XX/XX/XXXX, that the loan would be sent to the insurance company as a claim, and they will write it off on their end, etc. It was essentially the same conversation I had with them the week before. I asked if the guy I talked to the week before had any status on what he was looking into, and she seemed to have no idea what I was talking about. When I asked why they wo n't hold themselves accountable for their error that got me into this situation, she once again, like all of the other agents before her told me that she would follow up on it personally and get back to me about it. I did manage to get her personal extension, and I called her back before she left work to check on the status. The status was that she had n't heard from her supervisor yet, but that she would call me back tomorrow ( XX/XX/XXXX ). I am currently waiting on this to happen. <P/> Now that I am making very strong efforts to get back on my feet after being essentially unemployed and homeless for over a year, I need some assistance in making my payments. I need them to cut me an agreement. I simply do not make enough money to give them {$350.00} per month as they are asking. The situation I am in now is that I want to continue on a reduced payment plan. I can not afford those loan payments and try to purchase any of the things I need. It leaves me with very little money for groceries or for doing any kind of recreational activities, regardless of how inexpensive they may be. <P/> I am also a person with a XXXX. I suffer from XXXX XXXX and XXXX. While this does not drastically affect my daily life, as I am well managed, maintaining a good work and life balance while maintaining proper sleep hygiene is critical for my ability to function and manage day to day responsibilities, and my ability to handle exceptional circumstances. I must have some fun. I must eat a balanced diet. These things are key to managing XXXX XXXX such as mine. <P/> My frustration is that if I had known any of this would have happened, I would have sought other options to maintain my payment schedule, and I would also have considered refinancing my loans so that I would be able to accept a more manageable monthly payment. However, I can not refinance my loan with them until the balance is brought completely current ( about {$2500.00} to do this ). This wo n't fix my credit score that tanked nearly 200 points during all of this. But, when they offered me this solution, I honestly went into my check back in 6 months mode, because I set it up to be fully automated.
Company Response: Closed with explanation

Timely Response

2017-07-06

Southern Pnes, NC

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: On XX/XX/XXXX I wrote a heart filled letter to XXXX XXXX XXXX himself to ensure that I would not accumulate any late payment history and informed XXXX XXXX of my situation. XXXX XXXX responded with no empathy and made me feel like I was just a number, no customer should ever have to feel like that. I submitted a document to support my current situation and enrolled into their hardship program with automatic payments to ensure that I would not incur any late payment information on my credit report. I take pride in having a spotless record and % 100 on time payments. I 'm a single father and with a XXXX year old son that motivates me everyday to work harder and strive to be the best father that I can be. Last year me and my son lost everything due to hurricane XXXX on XX/XX/XXXX and currently we are grieving the loss of life, my grandfather and Discover does not make this any easier for us, my life will never be the same and I still feel empty. On XX/XX/XXXX discover reported late information to my report after I agree contractually to take part in their hardship program, I received a letter dated XX/XX/XXXX that did not align with the program I agreed to take part of, the letter contained information that indicates XXXX XXXX did not review my account correctly and no remorse was displayed whatsoever. I informed XXXX XXXX that I 'm improving my credit report so I can obtain financing for a new home.
Company Response: Closed with explanation

Timely Response

2017-07-06

Quartzsite, AZ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XXXX / XXXX / 2017 , Discover Bank created a check and called it check no. XXXX in the amount of XXXX against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account. XXXX I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.
Company Response: Closed with explanation

Timely Response

2017-07-06

Cleveland, OH

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-07-06

FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE? This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect. Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.
Company Response: Closed with explanation

Timely Response

2017-07-06

Phila, PA

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

2017-07-05

Long Island City, NY

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information. <P/> Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter. <P/> Thank you!
Company Response: Closed with non-monetary relief

Timely Response

2017-07-05

GA

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 'm having lots of problems with discovercard. I file complaints with the cfpb.gov, they respond saying it 's all been found in my favor and I should receive my money back for those unauthorized transactions but in fact my balance and the dispute outcomes remain unchanged. These charges I have no knowledge of are now 6 months old without my being reimbursed. They periodically reverse their dispute decisions not in my favor and that is inexplicable. I do n't want my discovercard online account to say anywhere on it that a dispute was n't found in my favor. I 'm at least {$2400.00} light at the moment I would like to be spending that.
Company Response: Closed with explanation

Timely Response

2017-07-05

Clarkstown, NY

Written notification about debt

Debt collection: Credit card debt

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

Timely Response