DISCOVER BANK

2017-06-29

Edmond, OK

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

2017-06-29

Westminster, CA

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-06-29

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

2017-06-28

Glendale, CA

Other features, terms, or problems

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

Other problem
Complaint: I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.
Company Response: Closed with explanation

Timely Response

2017-06-28

Orion Twp, MI

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.
Company Response: Closed with explanation

Timely Response

2017-06-28

Lake Hill, 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

2017-06-28

Boston Clg, MA

Getting a loan

Student loan: Private student loan

Denied loan
Company Response: Closed with explanation

Timely Response

2017-06-28

Smithtown, NY

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2017-06-28

San Jacinto, CA

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

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

Was not notified of investigation status or results
Complaint: I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Company Response: Closed with explanation

Timely Response

2017-06-28

Jacksonville, 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

2017-06-27

Clayton, MO

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I set up Auto pay for my student loans, and while checking my statement I noticed I was removed from autopay.After calling in to fix this issue and reenlist in auto pay I informed the representative I wanted to pay extra to cover the interest and additional principal for my loan.The representative told me she would apply the payment to the interest and additional payment to the principal. While checking my statement, I learned the representative did not apply the action as we discussed, but put this payment as a future payment. Upon learning this on this I called the company and was informed by a representative that any extra payments you make do n't apply to the principal of the loan.The representative continue to tell me false information to the point I had to request to speak to a supervisor.After speaking with the supervisor he informed me that the information she gave was incorrect.During our conversation I requested additional funds be withdrawn from my bank account at certain days and signed a verbal contract, but while checking my bank statements I say these funds were withdrawn on days I did n't agree to.
Company Response: Closed with explanation

Timely Response

2017-06-27

Wilson, NC

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2017-06-27

Orlando, 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 explanation

Timely Response

2017-06-26

Stanford, KY

Getting a credit card

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

Problem getting a working replacement card
Complaint: OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.
Company Response: Closed with explanation

Timely Response

2017-06-26

Royal Oak, MI

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 explanation

Timely Response

2017-06-26

Paterson, NJ

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 non-monetary relief

Timely Response

2017-06-26

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Had an agreement with Discover bank to make three payments and the account would be brought current. Made first two payments with no issues. theXX/XX/XXXXpayment became an issue. Discover never attempted to take the funds from the account until XX/XX/XXXX on which I informed them they had spent to long and I could no longer hold the funds in my account waiting for them to pull the funds. They stated that I put a stop payment on the check and that they would discredit the agreement and I would have to start payments all over again. I told them this is not true I put stop payment against a check with a company called XXXX XXXX XXXX. See copied email message between me and bank below about stop payment. Date/Time and company and check number are all listed in it. <P/> Date : XX/XX/XXXX Subject : RE : Stop Payment Check From : XXXX XXXX Dear Member, We have received and processed your request for a stop payment. Please allow at least 1 business day for this stop payment to be effective. Please adjust your records to reflect the {$8.00} stop payment fee. Requests received after XXXX XXXX and on weekends or holidays are effective the following business day. Please read the following terms you have accepted by submitting this stop payment : I understand that this stop payment is valid for 12 months. The Credit Union can not honor this request if the item ( s ) described above are accepted on the current processing date. <P/> If you have any further questions or concerns, please send us a reply, contact your local branch or call As always, thank you for your continued support of your credit union. <P/><P/><P/> -- - Original Message -- - Sent :XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX Subject : Stop Payment Check Stop Payment : Type of Stop Payment : Single check Account : Checking - ( XXXX ) Payable To : XXXX XXXX XXXX Check Number : XXXX Amount : XXXX Date Written : XX/XX/XXXX Submitted by XX/XX/XXXX Member : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As you can see I did n't place any request for a stop payment until the XXXX that evening. 3 business days after the Discover card payment. The company name was XXXX XXXX XXXX and the request was approved on XX/XX/XXXX. No other stop payments where made. This issue that happened was discover bank issue check numbers that I was unaware of to XXXX for payment. I as you can see in the request used checks with the book 1-20. Discover last two payments requested checks with numbers XXXX and XXXX My bank started to feel it was odd that check seem to be being re-used. Discover never asked a check number they should start with and therefore cause my bank to question transaction that had the same check numbers but different companies. When I tried to explain to Discover that this seem to be an issue caused by them. 1 ) assigning check numbers without checking with me to see if those checks were in use or not and 2 ) taking a week to process and withdraw funds from the account they denied any error on their part although it seems clear to me. I present this along with differences in checks looks to CFPB. I have offered to make a payment on XX/XX/XXXXof the agreed {$50.00} if it will continue the agreement and bring the account current.
Company Response: Closed with monetary relief

Timely Response

2017-06-25

Tarzana, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: For sometime now I have been getting texts messages from Discover, which is ok. Today, I decided that I was getting just way too many text message and replied in the Text " Stop '' because it says " Reply STOP to opt out '' I did this, yet after this STOP was sent I got 2 more text message. <P/> This is a bonafide class action lawsuit, which I do not wish to file, but if discover does not wish to settle this matter for violations under TCPA, RFDCPA, And CA Business And Profe ssion Code Violations I will file. <P/> I will be filing a lawsuit, but I do in vite Discover Financial to contact me ASAP so that this may be avoided. In California cases like these go for a premium, attorneys take them at no charge out of pocket, this is a text book example of a class action lawsuit. Discover card will be responsible for my attorney fees, statutory awards and a special award for brining the class. <P/> I urge discover card to contact me to resolve this before I file this week.
Company Response: Closed with explanation

Timely Response

2017-06-25

Chicago, IL

Incorrect information on your report

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

Account information incorrect
Complaint: Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-06-25

Chicago, IL

Incorrect information on your report

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

Account information incorrect
Complaint: Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-06-24

Wallington, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover on XXXX and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is XXXX . I never received any follow-up from Discover and the charge of {$60.00} still appears on my account. The kicker is that Discover does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).
Company Response: Closed with monetary relief

Timely Response

2017-06-24

Greensboro, NC

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with non-monetary relief

Timely Response

2017-06-24

Hon, HI

Other features, terms, or problems

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

Other problem
Complaint: I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.
Company Response: Closed with explanation

Timely Response

2017-06-23

San Diego, CA

Other features, terms, or problems

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

Add-on products and services
Complaint: From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.
Company Response: Closed with monetary relief

Timely Response

2017-06-23

Las Vegas, NV

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: I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.
Company Response: Closed with explanation

Timely Response