DISCOVER BANK

2017-03-21

Plano, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Brooklyn, NY

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-03-21

Kansas City, MO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-21

Bedford Park, IL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

MT

Billing disputes

Credit card:

Complaint: I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Saratoga Spgs, UT

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Desoto, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

NJ

Customer service / Customer relations

Credit card:

Complaint: this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-19

Hollywood, FL

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

Alexandria, VA

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-18

Alafaya, FL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Plymouth, FL

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Knoxville, TN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Vicksburg, MI

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-18

NC

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Complaint: We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Zebulon, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Warrenton, VA

Closing/Cancelling account

Credit card:

Complaint: I put in my application for credit with Discover on application ID XXXX. On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-17

Morton Grove, IL

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-17

Pikeville, NC

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-17

San Mateo, CA

Closing/Cancelling account

Credit card:

Complaint: Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. https : //XXXXconsumerfinance.govXXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Ny City, NY

Billing disputes

Credit card:

Complaint: This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-17

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Sebring, FL

Billing disputes

Credit card:

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Tibbs, MS

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I was approved for a deferment on my loan with Discover Personal Loans in XXXX 2016. The terms of the agreement was that my XXXX 2016 payment would be deferred and that after I make my payments for XXXX.-XXXX on time each month, my account would be brought current. I paid those months on time and all of my subsequent payments have been made but the company has been harassing me every month since the agreement was made. They call me, email me, and send letters and I always speak to them and explain my account. After they look into their records they apologize for contacting me and promise that my account will be corrected but as of today it is still not brought current. I am fed up with this company and their lack of integrity.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-16

Warren, RI

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: Yes Timely Response