DISCOVER BANK

2017-04-19

Holmes Center, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

CA

Closing/Cancelling account

Credit card:

Complaint: Discover Card can celled my card without my request or permission.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-18

Phoenix, AZ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Orange, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Lenzburg, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Payson, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

El Paso, AR

Customer service / Customer relations

Credit card:

Complaint: Good morning, I added my husband as an authorized user on XXXX of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his credit score, and as we pay off bills the records of these XXXX cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Warrenton, OR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Syringa, VA

Billing disputes

Credit card:

Complaint: Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Harvey, MI

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-17

Main Office, VA

Billing statement

Credit card:

Complaint: I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-17

Bloomington, MN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I urgently need XXXX to remove a Discover account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to discover who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but XXXX has still not removed. I spoke to XXXX on the phone they told me I needed to reach out to discover in order to have removed quickly, I called discover discover says they need to have a dispute from XXXX in order to remove. Both are waiting in the other and I need those removed immediately. Discover says no dispute has been entered from XXXX. However when I call XXXX, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-17

Franklin Lks, NJ

Credit card protection / Debt protection

Credit card:

Complaint: Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. I asked for proof of the contractual agreement and they can not provide me with it. And as I stated I do not recall signing up for it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

FL

Rewards

Credit card:

Complaint: I XXXX XXXX filled for bankruptcy XXXX XXXX XXXX discover card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is XXXX sent a demand letter 30 days late dated XXXX XXXX still no reply my records indicate they owe me over 100 dollars
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-16

Tampa, FL

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Houston, TX

Other

Credit card:

Complaint: This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Massillon, OH

Other fee

Credit card:

Complaint: I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Cedar Grove, LA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Atlanta Naval Air Station, GA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Walnut Spgs, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

RI

Billing disputes

Credit card:

Complaint: I PURCHASED XXXX JACKETS FROM MERCHANT. I RECEIVED XXXX JACKETS. I RETURNED XXXX JACKETS TO MERCHANT. THE WERE BILLED ON SEPARATE INVOICES. THEY WERE RETURNED IN SEPARATE BOXES. THEY WERE XXXX RECEIVED BY THE MERCHANT. I HAVE XXXX REFERENCE TRANSACTION ID 'S INFORMING THE CREDIT CARD COMPANY TO REFUND XXXX PURCHASES. THE CREDIT CARD COMPANY HAS REFUNDED ONLY XXXX PURCHASE AND I HAVE TRIED ON MULTIPLE OCCASIONS TO GET MY MONEY BACK. EACH TIME THEY DO AN INVESTIGATION THEY DENY THE XXXX REFUND
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-13

Mountain View, CA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

San Gabriel, CA

Billing disputes

Credit card:

Complaint: charge for a service on my ( discover it ) card that was not provided was not refunded.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

MI

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I took out a personal loan with Discover. I had major problems when I first took it out with the posting of their payments, After MANY phone calls it was resolved and they credited my account {$50.00} for all my problems. It has begun again I agreed to monthly payments of {$180.00}. My statement cut off date is the XX/XX/XXXX of the month and I usually make my payment around the XX/XX/XXXX. My XX/XX/XXXX shows late charges of {$78.00} with {$39.00} reversed. However, online it does show they were both reversed. The XX/XX/XXXX statement shows my payment amount due {$180.00}. I called to find out why the late charges were on my account and why the payment amount changed. The person I spoke to on XX/XX/XXXX said she would research it and call me back the following Monday between XXXX-XXXX EST. I never received that phone call. I made my payment of {$180.00} because I did n't want then to say I did n't make my full payment amount. Today I received my XX/XX/XXXX statement and the other {$39.00} late charge does not show reversed and it show I am PAST DUE ..XXXX when I actually paid .XXXX extra! So once again I called, put on hold for them to research, was on hold for 20 minutes and disconnected. I called back, again put me on hold, came back and told me that it shows online the late charge was reversed and it 's more accurate than their statements. All the time laughing about it. What if I did n't have online access?? Is n't a statement suppose to be accurate. I ca n't tell by the statement if the {$39.00} is still in my balance. She could n't explain why it showed .XXXX late and laughed about it being wrong. All I want to know is why my statements are not reflective of my true payments and agreement I signed and no one can seem to give this to me. I took out this loan XX/XX/XXXX and my statement half been incorrect at least 6 months. I wanted to report to the BBB but I could n't even find them there. Unfortunately I do n't have a source to attach the history but discover should be able to look it up since according to them their online system is more accurate!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

North Hollywood, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response