DISCOVER BANK

2017-04-13

Petersburg, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

NJ

Billing disputes

Credit card:

Complaint: I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Bethlehem, GA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Allingtown, CT

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Herndon, VA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Garrett Park, MD

Credit line increase/decrease

Credit card:

Complaint: Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Mc Kinney, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Rock, MI

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Contacted my employer and left a message with my human resources department. I sent written notice to not contact my employer on XX/XX/2016.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-12

Clinchco, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Texarkana, TX

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-11

Oxford, GA

Other

Credit card:

Complaint: I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Pottstown, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Plattekill, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Milwaukee, WI

Closing/Cancelling account

Credit card:

Complaint: My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Aventura, FL

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Lk Buena Vis, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Dryden, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Milwaukie, OR

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Memphis, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. Both banks closed my manageable accounts so that I could no longer print or view what had happened. Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. I have not received any mail in regards to my debt either from either company. I do not have my special equipment to receive or make calls so what can I do? Thanks. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Lk Buena Vis, FL

APR or interest rate

Credit card:

Complaint: I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Jurupa Valley, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-10

Rogers, AR

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-09

Tarzana, CA

Billing disputes

Credit card:

Complaint: I opened a dispute with Discovery Credit Card against the XXXX this Merchant charged me {$270.00} when They towed My car and they did it improperly damaging the rear differential on my XXXX, Discovery Credit Card Dispute department denied to assist me to clear up this charge saying the Charge is valid, Their department when I spoke today with a representative with the name of XXXX said to me the charge is valid if I want to dispute it I have to do it directly with the merchant, I told him I 'd dispute with the merchant If I would had paid directly with my personal Check or Cash money, This is not the case I believe using Discovery Credit Card I have some rights under FAIR CREDIT BILLING ACT. Using the same card agreement Statement I have with Discovery They do n't want to honor it as it says : 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address ; and ( b ) the purchase price must have been more than {$50.00}. I believe I meet the criteria above the same one I found : XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-09

Superstition Mtn, AZ

Bankruptcy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Casitas Springs, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response