DISCOVER BANK

2017-03-10

Streetsboro, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

New Canaan, CT

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

2017-03-10

Pinetta, FL

Customer service / Customer relations

Credit card:

Complaint: In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Scottsdale, AZ

APR or interest rate

Credit card:

Complaint: I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

E Rockland Key, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Lusby, MD

Payoff process

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-09

Attleboro, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Beaver Creek, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Covina, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Reader, AR

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-08

Keyport, WA

APR or interest rate

Credit card:

Complaint: At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! I was told that I could re-apply, but there was no guarantee that I would be approved this time. That kind of seems like a bait and switch. I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. I will await your reply. Sincerely, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-08

Lewisville, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Lafayette, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-08

Charlottesville, VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Redlands, CA

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

SC

Unsolicited issuance of credit card

Credit card:

Complaint: I was called by Discover card on XXXX that I had an overdue account for over {$800.00}, and payment was due. I learned that an account had been opened in my name using my SSN, DOB, former home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), XXXX XXXX. I notified the XXXX County Sheriff 's office, my case number : XXXX. I received and completed an " Affidavit of Identify Theft Report '' with Discover card. I notified XXXX and XXXX. Upon a review of my credit report ; I discovered an address of which I have never lived : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I filed a correction with XXXX. Discover card reported that " I '' had notified them of this address change after the account was opened and there were charges. 1 ) In their itemized charges there was a " phone payment '' made on this account dated XXXX/XXXX/XXXX {$11000.00} ; I can not provide any evidence that any payment was made by any account of mine at that time. 2 ) There is also a listing of over XXXX charges ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ), all but XXXX with the following transaction description " XXXX XXXX XXXX ''. Charges range from {$3.00} - {$79.00}. 3 ) Last evening, I received a letter from Discover card that there is insufficient evidence of identity theft, and that a new account has been opened in my name and I am responsible for all charges.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Bakersfield, CA

Closing/Cancelling account

Credit card:

Complaint: Three days ago, I decided to write a check to pay the balance of my Discover card for just over {$1200.00}. The payment posted today and I called to inquire why, in three years, my account has never been reviewed for a credit limit increase. The rep placed me on hold, then came back on the line and shocked me by stating my account had been revoked due to a bankruptcy. She explained she has to transfer me to another department. I assured her I have not claimed bankruptcy but she insisted. I was transferred and the new rep, a rather rude young man, asked me incredulously why I would be seeking a credit limit increase since I had filed bankruptcy. I explained to him I had not filed bankruptcy but he was convinced and told me he can not handle bankruptcies and I needed to be transferred to the bankruptcy department. He did as he insisted, despite my objections, and the line rang to a number for which the recorded message indicated they were closed and I would need to call back the following day before XXXX EST. The line then hung up. This was around XXXX PST. I tried calling Discover again but now, when I put in the last XXXX of my social, it simply gave me a number to call and disconnected on me. I called again and the same thing. I decided not to put my social in and simply get to a representative and speak to a supervisor. I reached a supervisor and explained the situation. She then started saying the previous reps misspoke indicating it was due to a bankruptcy but assured me she would call. After nearly 40 minutes on hold, she returned to the line to state I needed to call the other department and yes - they were closed. I exclaimed to her that I HAVE NOT FILED BANKRUPTCY but she could care less. I told her I would not be chasing down department after department to correct their mistake when my account shows in good faith I just paid my balance. I was not in collections and my account has always been in good standing with Discover. I told her I would be calling CFPB about this matter but, her attitude was such that she could not be bothered with my trivial issues. Here I stand now, an account paid off with my calling to wonder why they have not granted the courtesy to increase my account limit and yet I 'm told they revoked my account - on XX/XX/XXXX! Today is XX/XX/XXXX and there 's no letter or other notice. When I originally called in, there was no automated referral to an east coast number ; now there is. They offer no solutions or explanations and the rep readily admits she can not understand why the account was revoked. This will appear negative on my credit report as a revoked account and yet Discover treats me as if I am number, a warm body, occupying a phone line. Please help me to resolve this matter. Discover can not get away with doing this random act of evil to a good standing account holder and then with careless disregard, make me waste my time to chase down various departments only open during inconvenient hours to resolve the issue they obviously created and then to make matters worse, take a hit to my credit report!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Sacramento, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-07

Euless, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

And, SC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-07

Monterey, IN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Rochester, OH

Late fee

Credit card:

Complaint: My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-07

Orlando, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-07

Tyrone, NM

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. I do not believe that in the entire nation I am the only person who has encountered this.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Paterson, NJ

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response