DISCOVER BANK

2017-05-31

Bronx, NY

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2017-05-30

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Debt Collection complain : To whom it may concern : XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., XXXX XXXX , XXXX , Fl. XXXX illegally placed a garnishment on a checking account held by XXXX XXXX XXXX , XXXX XXXX XXXX Fl . in the names of XXXX XXXX and XXXX XXXX in the amount of XXXX XXXX .for a delinquent credit card account held by Discover Card with XXXX XXXX as the sole debtor. <P/> The debt is acknowledged by XXXX XXXX . the undersigned, but, as XXXX XXXX XXXX . was unable to garnish my social security income, they chose to illegally attach my wife XXXX XXXX account for this amount.. I am a signator on this account, for safety purposes, but it has been totally and exclusively funded for some 15 years through payroll deposits from XXXX XXXX position as an XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX . Florida statute protects my wife 's account from garnishment by virtue of my non participation in the funding of this account. Additionally, I question by what means XXXX obtained a court order as, had the court been advised of the facts, the petition to garnish would not have been granted, Additionally, I have received neither written notice nor any opportunity for a hearing in order to answer a proposed garnishment from XXXX , either before or since this illegal seizure. I did receive a phone call approximately three weeks ago during which I stated that at XXXX years of age I was unable, at this time, to honor this indebtedness and thought, after approximately three plus years, Discover would have charged offoff this credit card debt.. <P/> On Thursday, XX/XX/XXXX , when I checked XXXX XXXX account and found a XXXX balance, I contacted XXXX XXXX of XXXX , informed him of the illegality and received an unsympathetic, rude reply that he was not an attorney and payup was the only solution. Further, I advised him that I had not received written notice or an opportunity for a hearing, as was my right, and he indicated that this was not his problem.. I contacted XXXX XXXX XXXX and they informed me that legalities were not their pervue and had no choice but to honor the court order. Discover, contracted with XXXX directly to secure some repay. They did not sell the note. They expressed concern about XXXX XXXX actions and are in the process of investigating this incident. The long holiday weekend has delayed their findings as of this writing As earlier stated, I am XXXX years of age, solely supported by social security. XXXX XXXX actions were an obvious act of Elder Abuse. They capriciously and illegally garnished my wife 's account of {$1600.00} when my social security account was sacrosanct. They had to realize that this action would adversely effect our abilities to pay necessary monthly bills such as mortgage, electric, car insurance etc., as well as food and daily living expenses, yet they wontonly chose to take this illegal action, mislead the court by omitting full disclosure and cause my family undue duress and complicated financial peril. I personally am under constant care at the XXXX XXXX in XXXX XXXX XXXX , Fl. for XXXX XXXX and XXXX issues as well as normal old age problems. These capricious, cruel, purposeful and illegal actions by XXXX , possibly without the consent of Discover, have exascerbated my XXXX XXXX XXXX issues.. Elder abuse at its worst. <P/> I would humbly and respectfully entreat your agency, through its good offices, to order XXXX /Discover to return XXXX garnished monies in the amount of {$1600.00}. and further sanctiom XXXX XXXX XXXX for this illegal and cruel act. If Discover knowingly allowed XXXX XXXX action, then their involvement should be equally sanctioned. <P/> I thank you for this avenue of complaint and would hope that this advisement will prevent the XXXX of the world from exacting their illegal measures on their helpless and uninformed victims, age notwithstanding. <P/> Thank you. <P/><P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ., Fl . XXXX XXXX XXXX XXXX cc : XXXX Discover XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-30

Allentown, PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: On XXXX XXXX we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.
Company Response: Closed with explanation

Timely Response

2017-05-30

Brooklyn, 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 monetary relief

Timely Response

2017-05-30

Camarillo, 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 non-monetary relief

Timely Response

2017-05-30

WY

Problem with fraud alerts or security freezes

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

Complaint: A t XX/XX/XXXX , I traveled with my friend from XXXX to XXXX . My friend is at North Dakota, I picked him up at North Dakota, then we went to XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form XXXX and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this situation.Still now I have XXXX benefits for my Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.
Company Response: Closed with explanation

Timely Response

2017-05-30

Nashville, TN

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: On XXXX XXXX of 2017 I was double charged {$660.00} for an enterprise purchase in XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''
Company Response: Closed with monetary relief

Timely Response

2017-05-30

Atl, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2017-05-29

Bremen, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I got a credit card with Discover and I lost my job shortly after. I tried contacting discover to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form XXXX and XXXX XXXX in XXXX notifiying me that Discover had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a discover. I received a statement of claim from magistrate court of XXXX XXXX Georgia on XXXX XXXX XXXX . I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX XXXX at XXXX XXXX Friday XXXX XXXX XXXX at XXXX , XXXX , XXXX , XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XXXX XXXX at XXXX ; XXXX XXXX his name is XXXX XXXX with XXXX and XXXX XXXX . I was told I had to give them an answer by Tuesday XXXX XXXX XXXX whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XXXX XXXX which is not 30 days after I was served
Company Response: Closed with explanation

Timely Response

2017-05-29

Nyc, NY

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: have opened Discover Bank online savings account. When I have a problem crediting opening bonus to my account, I contacted the bank and XXXX XXXX XXXX, was assigned to my case. While at the outset he was attempting to help me resolving the problem responding to my XXXX letter, he then suddenly stop communicating with me and I was unable to reach him on the phone. I have left numerous messages, all of which have gone unanswered. Then I sent two letters in XXXX and XXXX which brought no response. I entrusted all my savings to Discover Bank and I should be able to get help when I need one. I discussed my case with an attorney who has explained to me that Bank is contractually obligated to credit {$100.00} to my account. The bank had an offer an offer which provided for {$100.00} bonus when I apply for first online Savings account by XXXX/16 and depositing at least {$15000.00} by XXXX/16. I am only XXXX and I did not have much experience with bank codes in my life. The fact that I did not enter the proper code code is immaterial. The code does not affect the terms and conditions of the unilateral contract that was created when I opened the account and made the required deposit. The bank employee should enter a credit manually if my code was wrong. I otherwise complied with the offer, fulfilled all my obligations to qualify for the bonus, kept and continue to keep all my lifelong savings on my account.
Company Response: Closed with explanation

Timely Response

2017-05-29

Brooklyn, NY

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??
Company Response: Closed with explanation

Timely Response

2017-05-29

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
Complaint: Made purchase using discover credit card on XXXX XXXX 2017. Was hockey stick {$290.00} try return store would n't take back so try call discover dispute transaction they advise me to send back qualified return guarantee.they have return guarantee in which send product to them they refund me money. I file return claim # XXXX in which pay {$50.00} ship back. Then denied my claim
Company Response: Closed with explanation

Timely Response

2017-05-29

Madison, WI

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

2017-05-28

Torrance, CA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history. <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.
Company Response: Closed with explanation

Timely Response

2017-05-27

Argyle, TX

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

2017-05-27

Lake Charles, LA

Can't contact lender or servicer

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

Complaint: I just applied for an application online & it states that 's it 's a secured website & it asked for all my information such as social security bank routing & account number & I called my bank already discusse d the information & I was also told to report them but I got an email saying to log into the account to check the sta tus of my loan & gave me a temporary password I tried to log in with the password given & was not able to I read all the reviews & they also had complaints about this website XXXX same situation could n't get a hold of them & or trying to log into the account they provided I just want to stop my application now because of the past conflicts along with all the information they required before " being approved '' im hoping I would n't have to change m y social & account information but will do .. due to fraud
Company Response: Closed with explanation

Timely Response

2017-05-26

Miami, FL

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

2017-05-26

Algona, WA

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

2017-05-26

TX

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I 've applied for a checking account wi th Discover four times now, and each time I was denied. Discover is refusing to tell me why, and refers me to XXXX XXXX . XXXX XXXX has no information to provide me, and refers me back to Discover.
Company Response: Closed with explanation

Timely Response

2017-05-26

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
Complaint: Hello, I have a lot of unauthorized charges. I've never been to Nevada. I didn't buy anything from these places, didn't receive anything, I don't know anyone who did or would. I've called the fraud dept. and they lie. I've filled disputes and nothing happens. These are the last disputes I'm having trouble with: Trans. Date Description Category Amount View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX MerchandiseXXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXXView DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline $XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX OF NV XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV SupermarketsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX #XXXX XXXX NV Supermarkets XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXXView Details0XX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX #XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXXXX XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX #XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX #XXXX XXXX NV Gasoline XXXX View DetailsXXXX XXXX XXXX # XXXX XXXX XXXX NV RestaurantsXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NV AutomotiveXXXX View DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Merchandise XXXXView DetailsXX/XX/XXXX XXXX XXXX XXXX NV Restaurants XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX #XXXX XXXX XXXX NV Merchandise XXXX View DetailsXX/XX/XXXXXXXX XXXX - #XXXX XXXX XXXX NV MerchandiseXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV XXXX XXXX Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX - #XXXX XXXX NV MerchandiseXXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX # XXXX NV Gasoline XXXX View DetailXX/XX/XXXXXXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXXXXXX XXXX NV GasolineXXXX View DetailsXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX View DetailsXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV Gasoline XXXX Thank you.
Company Response: Closed with explanation

Timely Response

2017-05-26

Collierville, TN

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-05-26

Harrisville, NH

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-05-26

NY

Fees or interest

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

Unexpected increase in interest rate
Complaint: I realized in XXXX of 2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in XXXX on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account
Company Response: Closed with explanation

Timely Response

2017-05-26

Potomac, 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 monetary relief

Timely Response

2017-05-25

Anaheim, 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
Complaint: X/XX/2017 -- I ordered XXXX tickets to XXXX XXXX from XXXX website for {$300.00}. XXXX sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on X/XX/2017 . So, during my conversation with the representative at Discover on X/XX/2017 , I was told that there should be no problem with my card. I asked if the order made on X/XX/2017 went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at XXXX site on X/XX/2017 for XXXX tickets at {$300.00}. On X/X/2017 I checked my XXXX app and found XXXX tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}. On X/XX/2017 , I calle d Discover to follow up on my dispute. Sometime in XXXX , I contacted XXXX to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid. On X/XX/2017 , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
Company Response: Closed with explanation

Timely Response