DISCOVER BANK

2017-04-04

Rayford, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-04

Brooklyn, NY

Payoff process

Credit card:

Complaint: previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Garden Grove, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-04

N Brunswick, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Sarasota, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Phoneton, OH

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Topeka, KS

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-03

Iron City, TN

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Stkn, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Lafayette Hl, PA

Credit card protection / Debt protection

Credit card:

Complaint: Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

San Francisco, CA

Arbitration

Credit card:

Complaint: I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Shelburne, VT

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-31

Green Springs, OH

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-31

Brooklyn, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Bronx, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: This is XXXX XXXX who borrowed {$30000.00} from XXXX XXXX on XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on XXXX , then I paid again to discover {$30000.00}. So, I paid all, but discover said that I have owe {$15000.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Sayreville, NJ

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-30

Helena, MT

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Landfall Village, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Conway, AR

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-29

Clayton, MO

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Edison, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XXXX continued to contact discover bank in spite of account being closed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Boise, ID

Credit card protection / Debt protection

Credit card:

Complaint: Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

S Pasadena, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Glendale, WI

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Fargo, ND

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response