DISCOVER BANK

2017-06-09

Bremen, GA

Problem when making payments

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

Problem during payment process
Complaint: I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row ( XX/XX/XXXX and XX/XX/XXXX ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?
Company Response: Closed with explanation

Timely Response

2017-06-09

Scottsdale, AZ

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX. <P/>XX/XX/XXXX XXXX reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau. <P/>XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX Discover XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have. <P/>Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof. <P/>Please help me. I do n't have money to go and hire a credit lawyer or anything like that. <P/>I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report. <P/>How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Company Response: Closed with explanation

Timely Response

2017-06-09

Indianapolis, IN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX violated FDCPA 1692e. XXXX XXXX XXXX filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. XXXX and XXXX failed to pay fee causing Arbitration to be terminated. In XXXX arbitration, I am the Claimant and XXXX XXXX XXXX are the Respondent. XXXX , clearly states t he Respondent did not pay. Per XXXX ' Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment. XXXX XXXX XXXX XXXX knowingly lied on filed claim which clearly violated the FDCP A 1692e
Company Response: Closed with explanation

Timely Response

2017-06-09

Lawrence, MA

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 monetary relief

Timely Response

2017-06-09

Santa Clarita, CA

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 monetary relief

Timely Response

2017-06-08

SC

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
Complaint: I applied f or a Discover cr edit card on XXXX after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on XXXX over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the XXXX statement. XXXX arrived and I still did n't receive the credit and now it is XXXX and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.
Company Response: Closed with monetary relief

Timely Response

2017-06-08

Soquel, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Around XXXX 2015, Discover had a promotion : open a new Discover card acc ount and get 20 % cash back for all XXXX spendings through the end of XXXX 2015. Total cas h back limit is {$2000.00}. In response to the promotion, I opened this account in XXXX and spent over {$10000.00} on the card through XXXX . Howeve r, Discover only credited my account for a total cash back of {$520.00}. Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.
Company Response: Closed with explanation

Timely Response

2017-06-08

Alexandria, VA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2017-06-08

Los Angeles, CA

Struggling to repay your loan

Student loan: Federal student loan servicing

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2017-06-08

Cupertino, CA

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 explanation

Timely Response

2017-06-08

Addicks, TX

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 non-monetary relief

Timely Response

2017-06-08

North Hollywood, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Company Response: Closed with non-monetary relief

Timely Response

2017-06-08

Cupertino, CA

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 explanation

Timely Response

2017-06-07

Forest Hill, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-07

Warrenton, VA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying. <P/> Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized? <P/> I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans. <P/> Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.
Company Response: Closed with explanation

Timely Response

2017-06-07

Oshkosh, WI

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: On XXXX XXXX 2017, I appeared for a Order for Examination hearing for the small claims judgment that was awarded against me. I was sworn in by the Court Commissioner XXXX XXXX. XXXX XXXX was the Attorney for Discover Bank and conducted the exam by phone. The Commissioner stepped out of the room. About 6-7 minutes into the exam, Attorney XXXX asked which company I worked for. I answered XXXX XXXX XXXX, which he did not understand. I repeated myself twice more and he still failed to understand what I was saying. He then demanded that I spell " XXXX ''. I spoke the word " XXXX '' three times in a clear manner. After this Attorney took a very negative and abusive tone against me and threatened me by saying '' We can make this easy or we canmake this difficult ''. At this point I immediately felt threatened and intimidated. I immediately requested to have the Commissioner step back into the room to deal with the situation. At this point Attorney XXXX took a much more professional tone. We have intentionally not filed for bankruptcy protection being that we are strongly convicted to make good on our debts, but when a collection lawyer takes an abusive manner it makes it especially difficult to move forward. I have answered every question and supplied everything that was ordered by the Commissioner. Dealing with Attorney XXXX XXXX threatening manner has been especially stressful and I was unable to perform my duties at work that day as I am usually able to due to the added stress. There was a second issue that was especially concerning and raised a question in my mind as to the integrity of the Court System as a whole. On the original Order to Appear before Court Commissioner that I was served with, it specifically states that " IT IS FURTHERED ORDERED that the costs to serve you, and the costs to conduct this hearing, shall be assessed against you in favor of the creditor ''. At the hearing, I questioned Commissioner XXXX if he had the authority to order that these costs be assessed against me in favor of the creditor. He stated that he did not and verbally told Attorney XXXX that he was not ordering these costs. He appeared to be back pedaling when questioned about this. I asked Commissioner XXXX if Attorney XXXX supplied the form. His response was that he assumed so and that his office did not produce the form. I questioned Attorney XXXX if he had produce the form, which he acknowledged that he did. I am curious how many of these forms have been sent out for other hearing as this by both Attorney XXXX and his company XXXX XXXX XXXX and whether it is common practice to have unsuspecting Commissioners order things that they do not have the authority to do so. I am highly concerned about Attorney XXXX XXXX apparent manipulation of supplying a document to Commissioner XXXX that Ordered costs to be assessed when the Commissioner did n't have authority to do so. In addition, I am also highly concerned about Commissioner XXXX XXXX lack of understanding of what he was signing. I am asking that an investigation be held into Attorney XXXX XXXX threatening and manipulative tactics and that he be held accountable for doing so. It is unfortunate that people like him do not have a better manner to deal with these situations, unless they are under scrutiny of a Court Commissioner ; and now the government. Please address these complaints.
Company Response: Closed with explanation

Timely Response

2017-06-07

Soquel, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-07

Mountain Iron, MN

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2017-06-07

Chesapeake, VA

Getting a credit card

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

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

Timely Response

2017-06-06

Glendale, CO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: On XXXX XXXX , 2017 my employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsible, XXXX XXXX XXXX XXXX , did not notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon. <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to XXXX XXXX XXXX , XXXX , MA XXXX by overnight shipping. I did this, and tracked the shipment. XXXX indicates that it was signed for by one XXXX XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
Company Response: Closed with explanation

Timely Response

2017-06-06

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: We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
Company Response: Closed with explanation

Timely Response

2017-06-06

Hinkley, CA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I opened Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by XXXX of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by XXXX and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by XXXX 2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.
Company Response: Closed with explanation

Timely Response

2017-06-06

Anaheim, CA

Incorrect information on your report

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

Account status incorrect
Complaint: When I came to this country my friend co-signed on a private student loan through Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy. XXXX is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that XXXX and XXXX are reporting correctly and XXXX is not and the score on XXXX is XXXX points lower. If I had filed bankruptcy do you really think my scores would be in the high XXXX 's. I have perfect credit and expect this to be addressed and corrected immediately.
Company Response: Closed with explanation

Timely Response

2017-06-06

Chester, MD

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 explanation

Timely Response

2017-06-06

Los Indios, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
Company Response: Closed with explanation

Timely Response