DISCOVER BANK

2017-04-25

Providence, RI

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
Complaint: HOW CREDIT LIMIT DECREASES ARE HANDLED : This is an abusive practice committed by most credit card companies that calls for government regulation. Discover Bank decided to decrease my credit limit to my current balance on XXXX XXXX , while I was on vacation. They sent a letter to my home, which takes days to arrive. They made no effort to email, text or call me - methods that would actually notify me in a timely manner. I continued to use my card, as I was unaware of the change in credit limit, and Discover continued to approve my purchases. I learned about the changed limit when my card was declined on XXXX XXXX , a stupid way to inform your customers but better than a letter mailed snail-mail to home - I wo n't get that until I finish my vacation. They listed my account as overdrawn, said when I called to complain that they may h ave already reported my account as overdrawn to credit bureaus and the representative would n't do anything about that, and I am still subject to penalty APRs and harmful credit reports should they decide to do so at a later date. Note that there is NO REASONABLE WAY to have avoided this, as Discover did nothing to contact me other than send me snail mail or wait for me to log into my account, which I do n't do every day. Additionally, I will have to pay the last 4 days of charges which are now listed as " overlimit '' amounts, essentially forcing me to use cash to cover these transactions I wanted covered on credit. Needed regulation from CFPB : 1 ) Credit line decreases should require repeated attempts to contact the cardholder by all available means. Snail mail is not sufficient. 2 ) Any charges above the new limit which are approved after the new credit line is set should automatically raise the credit limit to the amount approved, rather than being considered " overlimit. '' 3 ) Any a pproved charges within a time period after the change ( say, 1 month ) causing the balance to rise above the new limit but below the previous limit should not cause the account to be listed as overdrawn with any company or credit bureau, including the issuer. Stretch goal : Credit card companies should not be able to drop credit limits without warning. People rely on their credit limits as available funds when planning their lives. They may be on vacation, expecting to use that amount for emergencies, or even to get home. Credit card companies should have to consider credit limits as already borrowed and thus should n't be able to drop limits without sufficient warning, say a full billing cycle. This allows people to plan and not be left high and dry with a sudden limit decrease. While credit card companies may howl that this will induce some people to max out their cards and expose the company to more risk, which is true, this should be seen as a normal credit risk of issuing credit cards. Consider the money already loaned when a credit limit was originally approved.
Company Response: Closed with explanation

Timely Response

2017-04-25

Greensboro, NC

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
Complaint: This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
Company Response: Closed with explanation

Timely Response

2017-04-25

NJ

Problem when making payments

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

Problem during payment process
Complaint: this is about t he 100th comp laint about discover i am requesting arbitraiton at their expense as i am alleging disciminatory practices with me. This is the last straw. I am tired of being tracked to superivsors told i have no balance upon which interest is being billed only to get a bill of interest and other.I was told AFTER discover reported me to credit i could get a promo no interest on my card someone would call. Now i am told there is none. This is liken to a predatory loan practice wherein i am being tracked, bulled and being difficult / Bottom line with my overall financial situation i have many legal remeides available. I wont be bullied anymore. I want the promotion. My choice has been to not pay the bill then they report me to credit reporting but the promo of no interest i request is ignored. All CFPB has done is watch my complaints be sent to th e SAME P erson XXXX XXXX who now leaves his name off but still is the sole decision makee who stone walls all my concerns. resulting int he end of 26 YEAR RELATIONSHIP. I will go to court, do what it takes as i currently seek out legal counsel but i will not pay interest be treated differnetly than others, nd be treated as my other complaint indicates like a career disputer. I disputed something and i am treated differently. difficult like i am making it up. I will not stop pursuing no interest on my cards promos there must be. I wont pay interest and i wont have my choice be worse or worser that is pay it becuase dsicover is being difficult or be reported. DO NOT MISSTATE as you have before XXXX XXXX my concerns. I request the person who responds name himself or herself and assist me failrly or i will proceed to protect my consumer rights. No itnerest is being paid on XXXX on XXXX i was told months ago no interest. all is paid which appears to have been inaccurate. there is no money and no way i will pay these fees. i demand to be treated fairly. if on XX/XX/XXXX when i paid XXXX i was told there would be asomeone calling me to offer a promo no interest it never happened. i demand it. and will not stop til i get it. if it mea ns ourt so be it. Discover is prompt in reporting a long good customer who they have totally alienated to credit when i refused to pay XXXX but they wont offer me a promo of no interest. then i will file a lawsuit. but i wont be bullied, discriminated against which i am alleging based on the fact that NO issue has been resolved fairly by an unbiased party yet. Arbitration please or court. Whoever answers this MUST id himself. not XXXX XXXX who seems to mis state my concerns, send what i dont ask for etc. I want what i was told i would get or i want arbitration. then i want ouf of there. I want CFPB to note the concerns have never been resolved and i am absolutely alleging bullying. i have not used any of my cards in months and dont intend to. I would have to be reimbursed my time and upset for how i have been treated. bill interest all you want i want promotions of no interest
Company Response: Closed with explanation

Timely Response

2017-04-25

Oxford, 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: I am experiencing an ongoing problem wi th Discover Cards Dispute Departm ent and Executive Office re garding an amount inaccurately charged to my account by XXXX XXXX XXXX XXXX in excess of {$73.00}. In response to my dispute, Discover sent me a letter claiming that the charge was valid along with an invoice submitted by XXXX , which I had not signed. I contacte d Discover and infor med the dispute representative that I did not sign the invoice XXXX submitted in response to my dispute. I also informed him that the inspection sheet that I did sign when I picked up the truck showed the same gas level as the return gas level notated in the letter XXXX submitted with the invoice, so the extra charge on my account was not valid. The dispute representative reopened the dispute and advised me to contact XXXX regarding the invoice that I did not sign. I contacted XXXX to find out who initialed the invoice that they submitte d to Discover. XXXX from XXXX contacted me in response, after he investigated the issue, he acknowledged that someone from the company initialed the invoice and that I was erroneously billed the extra amount for gas. He said he would take care of the disputed charge wi th Discover and credit my account for {$150.00}, which would be {$73.00} for the billing error and the extra amount would be a courtesy for my inconvenience. When Discover closed the dispute, the notation added to my account was incorrect. My account has the following incorrect notation : XXXX / XXXX / XXXX Transaction has been reapplied to your account. We received new information from the merchant regarding this dispute case. The dispute was previously resolved in your favor, but after reviewing this new documentation, we 've determined that the transaction appears to be valid. The transaction has been reapplied to your account. We have sent a letter via mail or secure messag e at Discover.com about this investigation which includes a copy of documentation we reviewed. Please review this information and notify us immediately if you wish to continue this dispute. If you have new information we have not considered, we will be happy to continue working on your behalf. This notation states that the charge was valid and it was not, it also makes reference to a letter and documentation they reviewed that was sent to me which I never received. I spoke with the dispute department and XXXX XXXX in the Executive Office t o get my account correctly documented. XXXX XXXX insisted that she could not correct the notation because the system notated the account. I suggested making a manual correction, but she insisted that no correction was possible. I was dissatisfied with her response because I was dissatisfied with her response because accurate information should be notated on customer accounts. As a result, I filed a complaint with the Consumer Financial Protection Bureau. XXXX XXXX , Senior Associate from the Executive Office respo nded to the complaint I filed with the Consumer Financial Protection Bureau. Her response stated that the documentation was due t o Discover recei ving another copy of the rental agreement from XXXX stating the charge was valid. I contacted XXXX XXXX to get a copy of the document she referred to in her response. She stated that XXXX sent the same invoice that they had sent previously. I informed her that I had already informed Discover that I did not sign that invoice and XXXX acknowledged th at one of their employees initialed the document as well, also that the gas level on the inspection sheet that I signed was the same level as the return gas level notated in the letter XXXX submitted with the invoice. I asked if we could speak to XXXX on the phone together or if XXXX could send Discover a letter acknowledging their error, but she insisted that she could not change the information on my account because XXXX did not go through the dispute process when they credited my account. I again suggested manually changing my account to correct the information, but she insisted that the information would stay on the account as is. She remained uncooperative no matter what I tried to suggest regarding correcting the information on my account. XXXX XXXX , from XXXX explained the mistake in a letter addressed to Discover and myself, which I sent to XXXX XXXX XXXX , Discovers Chairman and CEO ; in turn, I received a letter from XXXX XXXX from Discover still refusing to correct the inaccurate information notated on my account. Also, XXXX XXXX made reference to an enclosed letter which was not enclosed, which is a continuation of the level of incompetence that has been show n by Discover represent atives in handling this dispute. As a result, I am submitting this second complaint regarding Discovers ongoing poor customer service from the dispute department up to and including the CEO, their lack of responsibility in correcting this inaccurate information notated on my account and the unsatisfactory handling of my dispute.
Company Response: Closed with explanation

Timely Response

2017-04-24

Fort Worth, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before XXXX I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on XXXX / XXXX / XXXX so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day XXXX / XXXX / XXXX discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
Company Response: Closed with explanation

Timely Response

2017-04-24

OK

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Complaint: Prior to the XXXX recession, I was issued a Discover Card w ith a limit around XXXX . I was employed at the time, able to make payments. A week or two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine, That Discover Bank would pay off the balance owed on the card. In XXXX I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the time20 % of XXXX was out of work. I filed for Social Security XXXX which took over 3 years to complete. XXXX is my only sores of income. I currently live on the XXXX XXXX in Oklahoma of which I am a tribal member. Discover Bank filed suit in XXXX XXXX NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my XXXX payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the XXXX recession in bad health being held hostage by a disreputable bank. The bank a long written off the debt, selling it to bill colle ctors for what eve r they can get.
Company Response: Closed with explanation

Timely Response

2017-04-24

Lexington, NC

Incorrect information on your report

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

Account information incorrect
Complaint: Discorver Card repo rted on my credit report that the first major delinquency was on XXXX XXXX The problem is I filed XXXX XXXX bankruptcy prior to Discover Card reporting the delinquency to the credit bureau.
Company Response: Closed with explanation

Timely Response

2017-04-21

Bellaire, TX

Other

Credit card:

Complaint: After review of my credit reports in XXXX XXXX I noted an adverse item from Discover Card Services o n the XXXX reporting agencies. I disputed the negative reporting directly with XXXX XXXX XXXX XXXX on XXXX XXXX , XXXX and again on XXXX XXXX , XXXX . Under Federal Credit Reporting Act ( FCRA ) Section 609 the credit reporting agencies ( CRAs ) are required to provide physical verification on items listed on the credit report. The XXXX CRAs failed to provide any verification at all violating FRCA 609 ( a ) ( 1 ) ( A ) so I contacted the furnisher of the negative information Discover Bank requesting an investigation on XXXX XXXX , XXXX after two failed attempts to verify through the CRAs. Both disputes came back as verified by the XXXX CRAs. The furnisher should have by law conducted an investigation when I disputed with the credit bureaus under FCRA 623 ( b ). Attached is the letter sent to the furnisher Discover requesting an investigation per ( FACTA312 ( c ), FCRA 623 ( a ) ( 8 ) ). In the letter I noted inaccuracies in the information reported to the CRAs and requested an original contract, billing statements for the life of the account, and a full accounting of the account from inception to the reported charge off. Now had the furnisher conducted an investigation in response to my disputes through the CRAs then it would have all of the documentation that I requested in my XXXX XXXX , XXXX letter. Apparently an investigation never happened. This furnisher Discover failed to notify me of the status of the account prior to reporting negative information to the CRAs. Additionally, the letter received today in response to my Section 623 investigation request was completely ignored. Discover Bank sent a letter received on XXXX XXXX , XXXX requesting information already provided in the XXXX XXXX , XXXX investigation letter attempting to stall an adequate response to the request for an investigation. Meanwhile my consumer rights are in violation. Discover Bank was already provided the 1 ) Account number, 2 ) Address 3 ) Reason for the dispute and with this data the furnisher can complete the investigation required by Law. The furnisher has failed to provide any documentation at all to substantiate the information reported to the CRAs. The Furnisher was giving 37 days to comply with the Fair Credit Billing Act ( FCBA ) however the attached response shows a clear violation of federal laws and my rights as a consumer. If all three of the CRAs and the furnisher of credit information are unable, unwilling to comply with Federal laws regarding billing and credit reporting then I 'm requesting the CFPB to step in and enforce federal laws on the furnisher and CRAs. If the furnisher is unable to substantiate the balance, status, and disposition of the account to the alleged account holder then how can it possibly sell the debt to a third party debt collector? No 3rd party debt collector would ever be able to validate this alleged debt without violating the Fair Debt Collection Practices Act ( FDCPA ). I was very surprised that Discover was not willing to comply with this simply request but insists on continuing the negative reporting with the CRAs and doubling down after 90 days of disputing and requests for investigation. After reading CFPB 's XXXX XXXX , XXXX press release titled " CFPB Oversight Uncovers And Corrects Credit Reporting Problems Bureau Report Outlines Accuracy and Other Issues That Bureau Supervision Has Taken Action to Address '' about the blatant federal violations and consumer complaints about credit reporting from the CRAs I was n't shocked that the private for profit CRAs would recklessly continue reporting inaccurate negative information causing financial harm and duress. However I was deeply disappointed that Discover would also participate in violating federal laws and my consumer rights by not taking this matter seriously.
Company Response: Closed with explanation

Consumer Complaints

Complaints Page 212

Trouble using your card

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

Improper use of your report

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

Problem when making payments

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

Problem with a purchase shown on your statement

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

Managing an account

Checking or savings account: Checking account

False statements or representation

Debt collection: Credit card debt

Incorrect information on your report

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

Other

Credit card:

Taking/threatening an illegal action

Debt collection: Credit card

APR or interest rate

Credit card:

Delinquent account

Credit card:

Can't repay my loan

Student loan: Non-federal student loan

Billing disputes

Credit card:

Identity theft / Fraud / Embezzlement

Credit card:

Can't repay my loan

Student loan: Non-federal student loan

Disclosure verification of debt

Debt collection: Credit card

Communication tactics

Debt collection: Credit card

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Credit reporting company's investigation

Credit reporting:

Disclosure verification of debt

Debt collection: Credit card

Account opening, closing, or management

Bank account or service: Other bank product/service

Dealing with my lender or servicer

Student loan: Non-federal student loan

Taking out the loan or lease

Consumer Loan: Installment loan

Transaction issue

Credit card:

Billing disputes

Credit card: