DISCOVER BANK

2017-06-06

Allentown, PA

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.
Company Response: Closed with explanation

Timely Response

2017-06-06

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-06

Fresno, CA

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 need to file a complaint against Discover for falsely advertising a credit card offer promotion for using XXXX XXXX . The first XXXX XXXX XXXX came with a {$5.00} promotion. Discover told me on several occasions that I would received it this XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.
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

Burkburnett, TX

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-06-05

Stantonville, TN

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-05

Ft Belvoir, VA

Fees or interest

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

Problem with fees
Complaint: My problem is with my Discover card. For 12 years I have been charged a Payment Protection Plan fee which I NEVER signed up for. According to Discover, I approved their payment protection product sometime in 2005, but they are unable to provide proof of my approval, and I know I did not approve this ongoing monthly charge. They have offered to credit me back for six months worth of charges, but the truth is, since they placed this program on my account without authorization, I 've been charged well over the {$2500.00} credit limit in fees and accrued interest ( on fees ). They claim they have done their " due diligence '' by sending me bi-annual correspondence, but I have not seen this, nor have I positively affirmed my desire to be a part of this program ( ever )!
Company Response: Closed with explanation

Timely Response

2017-06-05

Lake Hill, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief

Timely Response

2017-06-05

Murray, UT

Incorrect information on your report

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

Account information incorrect
Complaint: Repeated denials for Discover bank cash checking account. The reason are stating XXXX XXXX has something blocking an approval for their checking account. XXXX XXXX customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason XXXX XXXX . My risk from XXXX to XXXX is XXXX , nearly a perfect score?! So something does n't make since in this.
Company Response: Closed with explanation

Timely Response

2017-06-03

NV

Fees or interest

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

Problem with fees
Complaint: I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement. <P/> If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.
Company Response: Closed with monetary relief

Timely Response

2017-06-03

CO

Other features, terms, or problems

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

Add-on products and services
Complaint: I have been a credit card holder with Discover since XXXX . I have been paying a monthly fee since XXXX for " discover payment protection. '' I called Discover today & spoke with a special sector of their customer service specifically for this exact issue. I never agreed to this and Discover is stating that I agreed to the terms in XX/XX/XXXX , but will not provide me with any record of the agreement. I have researched this problem & there have been many lawsuits against Discover for this same exact issue. Most people have succeeded with getting all of the money they paid over the years back, but Discover is refusing to refund all money even though I never signed up for or agreed to the terms of having Discover Payment Protection. They only offered to pay back six statement periods of the charges & continued to talk in circles, never giving an exact answer or an agreeable solution.
Company Response: Closed with monetary relief

Timely Response

2017-06-02

Statham, GA

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

2017-06-02

Colonial Park, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2017-06-02

Santa Ana, CA

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX I called Discovercard to find out what the " DiscoverPaymentProtection '' fee was on my account. I found out that I had been enrolled in this program since XX/XX/XXXX. I asked what is was and after they explained the plan to me, I said this might have been helpful to know when I had been out of work for almost 2 years and had to take time off to care for my mother during her XXXX/recovery from them XXXX her XXXX XXXX. I asked how I was enrolled, but after this period of time, they would not have any records of how I was enrolled. The agent stated that I would have been notified once or twice a year in the mail, but I stated when I receive anything from Discover it is usually Balance Transfer checks and I just shred them immediately. Anyway, I asked since I was not made aware of this, was I able to get the fees returned. She said if I cancel, they would refund me the most recent statement of {$130.00}. I asked if there had been a Class Action on this. After a few minutes on hold, she advise there was, but that I was not put on it and would n't have been notified. I asked why and she said she did n't know. I asked for the information and was directed to this site. I was n't sure what to do, so I am submitted a claim. I just want the fees returned. I did not know about it and if I knew, I would have needed it back when I was unemployed for about 2 years struggling and during the 3 weeks I was caring for my mother.
Company Response: Closed with monetary relief

Timely Response

2017-06-01

Library, PA

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 , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year XXXX . The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request. The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation. The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in XXXX and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents. The fourth agent, after reviewing my account, agreed to waive the XXXX interest accrued on my account if I paid in full " tonight ''. I agreed. The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on XX/XX/XXXX . Discover did not debit my checking account on XX/XX/XXXX , as they said they would do. Neither my financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover account continues to accrue interest.
Company Response: Closed with explanation

Timely Response

2017-06-01

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I recently refinanced my student loans with XXXX refinancing company. On XXXX/2017, a check was disbursed to Discover Student Loans in the amount of {$58000.00}. This disbursement brought my balance with Discover to {$0.00}. My online statements with Discover showed that as of X/XX/2017, my account had been paid in full. On X/17/2017 Discover Student Loans withdrew {$680.00} from my personal bank account. ( I had been on automatic payments with Discover for the lowered interest rate incentive ). On WednesdayXX/XX/XXXX17, I checked my discover account to make sure everything was all set. It was then that I discovered that the balance had been paid off in full on XX/XX/XXXX17, and yet Discover still withdrew my full monthly payment from my account. I contacted Discover and spoke to a supervisor XXXX, about the issue. She looked into my account and verified that the payment of {$680.00} from my personal bank account was taken after the loan was paid in full, and that they had also overcharged the refinancing company, with the final balance of overcharged funds being over {$700.00}. I was assured by XXXX that this was an error on the part of Discover and that my personal bank account would be refunded the full {$680.00}, and the remainder would be refunded to the refinancing company. XXXX told me to expect the refund byXX/XX/XXXX/17 and if I did not see it appear by then to call back. As of XXXX/XXXX/17 at XXXX there was no refund posted to my personal bank account so I called Discover. I asked to speak with XXXX but was directed to another supervisor XXXX. After looking at my account " thoroughly '' and checking previous notes about the situation, XXXX informed me that my refund was being looked at by Discover 's finance department because " there seemed to still be charges on my account ''. At this comment I informed XXXX that my balance was and had been {$0.00} since XXXX/XXXX/17, and that XXXX had assured me that Discover would refund me {$680.00}, because of the overcharge. XXXX informed me he would talk to XXXX onXX/XX/XXXX17 to see if they could straighten things out, but he also led me to believe that I would not be refunded {$680.00}. Over the past year I have had multiple issues with Discover with overcharging my account, and manipulating my account without informing me. I have previously filed a complaint about this company, and I was given explanation and told that I would have no more issues. I am extremely frustrated by this whole situation, especially since my personal bank account is involved. I know this may be subjective but I ca n't be the only customer this is happening to, and it is very discouraging to essentially not be able to do anything about it. Though I know it may not be a lot to some people, but {$680.00} is a lot of money to me, and I would like to fix this issue and make sure the same is n't happening to other customers out there.
Company Response: Closed with explanation

Timely Response

2017-06-01

Cypress, TX

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-06-01

Nyc, NY

Struggling to repay your loan

Student loan: Private student loan

Can't temporarily delay making payments
Complaint: I write to complain about the debt collection conduct of XXXX , Discover Bank, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX XXXX in XXXX XXXX XXXX . I graduated in XXXX , and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XXXX XXXX , I no longer can pay the loans. <P/> I called XXXX well before XXXX XXXX - XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment. XXXX began calling me in XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX . XXXX began calling on XXXX XXXX , XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for XXXX , but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.
Company Response: Closed with explanation

Timely Response

2017-06-01

Discovery Bay, CA

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 XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
Company Response: Closed with explanation

Timely Response

2017-05-31

CA

Incorrect information on your report

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

Account status incorrect
Complaint: Discover Personal Loans, XXXX XXXX XXXX XXXX XXXX Ut XXXX . Discover Reports to XXXX , XXXX , and XXXX that an account Opened in XXXX which was included in Bankruptcy discharge as of XXXX XXXX Has been reported as Recently closed and negative as of XXXX XXXX . This account was closed no later than XXXX XXXX in which bankruptcy w as discharged. Discover has be en reporting since XXXX XXXX showing recent status of delinquent account. There is no recent bankruptcy in XXXX as discover is reporting with this account.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-31

Foxridge, MD

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2017-05-31

Roswell, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-05-31

Birmingham, AL

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2017-05-31

Irondequoit, NY

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-05-31

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: have a lot of unauthorized charges. Discover Card is determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything. XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX NM {$54.00} XX/XX/17 XXXX XXXX TX {$38.00} XX/XX/17 XXXX XXXX XXXX XXXX NV {$41.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM {$54.00} XX/XX/17 XXXX XXXX XXXX AZ {$57.00} I figure my identity was stolen.
Company Response: Closed with explanation

Timely Response