DISCOVER BANK

2017-02-21

Dover, DE

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-21

Dearborn Heights, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

WI

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XXXX/XXXX/17, initial contact was made with XXXX XXXX XXXX XXXX regarding a {$240000.00} transaction that was conducted with Discover Bank. Discover Bank contacted XXXX directly, with the us on the telephone, in regards to a transaction that had occurred on or about XXXX/XXXX/17. Discover Bank had made a withdrawal from an account in our name for {$240000.00} on XXXX/XXXX/17, as well as a withdrawal for {$1000.00} on the same date. These withdrawals were made to fund an account with Discover Bank. It was discovered by us that the {$240000.00} deposit was not in the Discover Bank account, which prompted the above telephone call. Discover Bank was claiming no fault and no knowledge of the funds ever hitting the checking account. Based on research conducted by XXXX, the {$240000.00} deposit was rejected and returned by Discover Bank. Upon speaking with Discover Bank on or about XXXX/XXXX/17, Discover Bank stated that the deposit was returned due to the XXXX account and Discover Bank account being differently titled accounts. The deposit was returned to XXXX on XXXX/XXXX/17. By this time, we had closed the originating account, and XXXX returned the deposit back to Discover based upon the fact that the account was closed here. As of XXXX/XXXX/17, the funds were returned to Discover. Discover Bank conducted research with their finance department, and they then indicated that the funds were not with them, but did not confirm what kind of research was done or what general ledger accounts were checked. This took two business days. The situation was then escalated to a manager at Discover, XXXX, as XXXX confirmed through their Operations Department that the funds were returned on XXXX/XXXX/17 and were no longer with XXXX. Based on research done by XXXX, the funds appeared to pass through XXXX XXXX XXXX, as that was the routing number attached to the original transactions form Discover Bank. XXXX escalated the issue to their Finance department yet again. On XXXX/XXXX/17, Discover contacted the us and XXXX ( XXXX ), and indicated that they were told by XXXX XXXX XXXX that they would not work with Discover Bank, and that XXXX would need to send a letter to XXXX XXXX XXXX in order to retrieve the funds. This information was provided by Discover, not XXXX XXXX XXXX. On XXXX/XXXX/17 and XXXX/XXXX/17, two separate letters were faxed to XXXX XXXX XXXX in order to retrieve the funds from the {$240000.00} transaction, as Discover Bank indicated that the funds were being held with XXXX XXXX XXXX. Based on phone calls made by XXXX to XXXX XXXX XXXX 's ACH Department and Research and Adjustment Department on XXXX/XXXX/17 and XXXX/XXXX/17, XXXX XXXX XXXX stated that there was no way to confirm that the funds were with them, and that the transaction did not appear anywhere in their system. The trace number attached to the Discover transactions was stated ( by XXXX XXXX XXXX, and a partner, XXXX which is a payment processor ) to be a XXXX transfer trace number. XXXX contacted XXXX XXXX on XXXX/XXXX/17 - XXXX XXXX confirmed with XXXX that Discover Bank purchased a portion of XXXX XXXX to use internally, and this trace number indicated that XXXX XXXX was used in the transaction internally at Discover Bank. Discover Bank was contacted on XXXX/XXXX/17 - XXXX spoke to XXXX, a Documentation Specialist Supervisor. The research conducted by XXXX was provided to Discover Bank. Upon receiving this research, Discover Bank indicated that they may not have check all general ledgers ( and may have only check their ACH ledger ), and that the issue has been escalated to upper management and is now a top priority, as not all proper general ledgers may have checked. XXXX is awaiting an update from Discover Bank at this time as to what the status of the new research request is showing. On XXXX/XXXX/2017 XXXX contacted us and Discover. Once again a new agent was assigned to assist us without any previous knowledge of the situation.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-21

TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This started in XXXX of XXXX, when I received a phone call with a program to receive a zero-interest rate credit card and complete a balance transfer. I agreed verbally but then realized the only debt we had was Discover and at the time was at a zero-interest rate. I immediately called the person back and told him I was NOT interested since my Discover was already at a zero-interest rate. That seemed to work and I never received another phone call or anything in the mail. Nothing was ever sent to us : no transfer was ever made. Then the following happened : On XXXX/XXXX/XXXX I received a phone call from an individual by the name of XXXX XXXX representing herself as a Legal Representative of Discover. She informed me that XXXX ( XXXX ) was trying to locate me because I owed approximately {$4900.00} in fees and dues. She also told me that a subpoena was being issued if the balance was not paid that day. She recommended that I call XXXX, XXXX XXXX at XXXX and get the information to make the payment. Both my husband and I were out of work and trying to get work, so a subpoena would damage any prospect of employment. XXXX XXXX suggested that we complete a Cash Advance with Discover and make the payment. We went to XXXX locally, made a Cash Advance and deposited the funds into an Escrow account, XXXX XXXX XXXX in XXXX, account number XXXX. We spoke with XXXX XXXX the following Monday, gave her all the information. She assured us that she would get all the money back by the end of the week. Well, the following Friday, XXXX/XXXX/XXXX I received another call from a XXXX XXXX with Corporate XXXX in XXXX stating that we owed another {$4300.00} for past taxes and fees. I immediately called XXXX XXXX and reported the call. She again took all the information and stated she would help. I gave her the phone number of XXXX XXXX to call and ask on our behalf the exact amount due. She called back and reported to me what she was told. She also stated that since she had them on a recorded line they could never come back and request any additional funds from us. She made arrangements for a balance transfer to be made from my checking account to pay the {$4300.00}. Once the funds were available, I was instructed to go to XXXX XXXX XXXX and make the deposit into account number XXXX in the name of XXXX out of XXXX, Florida. I have been trying to contact XXXX XXXX with Discover for the past two weeks with no answer. The phone number she gave me was XXXX and stated that was her personal work phone. I asked her for an email address and was told that they did not have email access but I could always contact her via Secure Messaging with Discover. I have called customer service with Discover several times asking for a Legal Representative and was told that no such department exists. I have also sent a Secure Message and got the same answer. Now I am receiving calls from someone claiming to be with XXXX credit card again. And they are wanting {$4900.00} for processing fees to issue a credit card with zero-interest rate. Once I make the deposit, they would issue a cashier 's check in the amount of {$7000.00}. I told them I did not want any such credit card and wanted to cancel any such association with them. The representative informed me that there would be a cancellation fee of over {$4500.00}. I requested all the terms of the card and membership to review and was told I would receive this after the processing fee was paid. Again, I was given the banking information to make either the processing fee or the cancellation fee. The transfer information provided was : XXXX XXXX XXXX, account number XXXX in the name of XXXX out of XXXX, Florida.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Northbush, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-21

Los Angeles, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

NJ

Billing disputes

Credit card:

Complaint: this is XXXX her fiancee she is unavailable. I am requesting all copies sent to address of record and will be forwared as we will likely go to court. on this ALL ISSUES REMAIN UNRESOLVED WITH DISCOVER ACCOUNT IS ACCRUING LATE FEES LIKE NONE OF HER ACCOUNTS DO she has never had to stop paying an account due to lack of help here. nothing resolved. no dissatisfaction. disputing fees should not be taken off and as such will wait til its in default, then take legal action showing all attempts to resolve. All that happens is the complaints keep going to the same person who keeps stone walling and scriptiing to death NOTHING RESOLVED. return all letters saying the same nonsense. with no resolution. [ please see previous complaints. ALL complaints made to discover where a bank would reasonably have responded and helped a customer have not occured. Fees that would have been returned despite a Credit agreement ignored and refused, differnetial treatment as well Saying the " spcialty team '' has to get back to you. XXXX is not being paid until it defaults at which time we will take legal action. Others interest due to the refusal to help must be credited. A lawyer will be in touch shortly with discover. I ask this agency to take note that a law protecting consumers must be passed and contact with legislators on this has been made and i need all copies of complaints that are not resolved in any way sent to us. As of today XX/XX/XXXX there is a late fee AGAIN on XXXX A judge will see XXXX never defaults. this appears to be the only way to handle them. Now i will get a message saying some XXXX is " investigating '' and nothing comes of it. Any bank after 30 years of business would help. this one THINKS it will get the money we will go to court no fees, interest will be paid and when we call in no specialty team referral we get normal help or we dont call. A POA was filed as XXXX is currently hospitalized. i will not let this proceed this way
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

CA

Customer service / Customer relations

Credit card:

Complaint: I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? Please advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

NC

APR or interest rate

Credit card:

Complaint: my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

MD

Billing disputes

Credit card:

Complaint: We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

Van Nuys, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-18

Bullhead City, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-18

Hamburg, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Att cfpb Inference to discover card XXXX I 'm writting to continue my dispute with Discover Card. about unlawful reporting that they are reporting about me. I 'm well aware that Of rights as the consumer. I will stand my ground tooth and Nail if I have to hire and lawyer to get this remove from My credit File the Law clearly states that The original creditor in this case would be ( discover card ) MUST I REPEAT MUST SEND EACH CREDIT REPORTING AGENCY COPY OF ANY CREDIT APPLICATIONS WITH THE CONSUMERS SIGN SIGNATURE ATTACJED TO IT. I 'm fully aware that discover back failed to do so. because I reach out to XXXX / XXXX / XXXX None of these reporting agencies were Able to provide me this Information ( CFPB PLEASE SEE ATTACHED FILE FROM XXXX With there Finding. The FCRA 609 ( A ) ( 1 ) ( A ) That the consumer has the right to ask the creditor / reporting agency for this enclosed information! Also FCRA SECTION 611 ( A ) ( 1 ) ( A ) / 611 ( 5 ) ( A ) Also states That YOU ARE REQUIRED TO PROMPTLY DELETE THIS INFORMATION. You have effect My ability to Obtain credit in my name! This is VERY shameful on your behave for failing to send the necessary paper workwork to the reporting agencies That the FCRA REquire your company to to follow. You should really be ashamed of yourself.. XXXX I give you XXXX Business to have this fraudulent information that you are reporting on me off of all XXXX file because I will Take Legal action! CC CCFB I HAVE ATTACHED A FILE TO THIS COMPLAINT FROM XXXX DATE XXXX XXXX ALSO WITH XXXX AND XXXX PLEASE SEE PREVIOUS CFBP case number XXXX also case number XXXX CFPB NONE OF THESE AGENCYS HAVE THE PROPER paper WORK TO BE REPORTING fraudulent and Negative information about me. Thank you XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-18

Elsmere, DE

Customer service / Customer relations

Credit card:

Complaint: Customer support & lending practices from Discover are questionable, if not unethical. Ten months ago, I opened a secured card & was provided information that after 7 months, I would be reviewed to see if my deposit could be returned & graduated to a Discover It card that would not require the secured deposit. Despite a well maintained financial history in terms of paying off card balances prior to the end of the billing cycle, often more than once a month, approval for other cards at a much higher limit ( not secured to start ), consistent payment on bills & mortgage, & having a well funded savings account, I was consistently not approved. After multiple phone calls to the company, the issue is still not resolved. The phone call prior to today ended with Discover acknowledging that they had " missed '' information regarding the length of my account. I had spoken to a gentleman who said I would be reviewed again that day & should receive a call. Today 's phone call revealed that deceitful information was conveyed on both actions to be taken & to whom I was speaking. I was transferred to multiple people who were unable to provide accurate account details. For example, I was told I was being transferred to a Manager of the secure department, but when speaking with that person, they said they would pass me on to a manager in the secure department because they were only a supervisor of customer service. Placed on a lengthy hold multiple times, resulted in me having further conversations with the same person who said she had " answers. '' She only was able to tell me, inaccurately, that the account was n't yet at the 7th month mark ( we are now at 10 ) & that I had XXXX accounts with them. I had reported fraud on my card a few months back, but was never advised it would cause XXXX accounts to be opened. If closing that account without my permission has caused this difficulty, that is a problem on its own. I am also concerned about the consistent jostling back & forth from a financial institution that I am supposed to trust. In addition, they are also holding the deposit without any reasonable explanation why I have not been able to be upgraded to the non-secured card. It is wholly unacceptable that I would be able to obtain a mortgage, open other cards, & have strong payment history, but not be able to have an unsecured card, even with a low amount, without the company being able to justify the reason. Other than discriminatory lending practices, it is hard to believe that there is an explanation as to why this is happening. No one at the company seems to be willing to provide an answer or a solution. In addition, I have been mislead by 2 of the 3 support representatives I spoke with today regarding who they spoke with to get answers regarding my situation ; after I asked to speak with that manger, she was not able to do so & claimed that the person left. This in itself was suspicious, due to the fact that it was a matter of minutes, in the middle of the half hour. The third representative, a cust. service trainer ( who was also misidentified by the person who transferred me to her ), clearly identified to me that in fact, there was no managers on duty at all today. This third person, who I was told would be able to solve my problem, was unable to provide me with any additional information. She stated she would call back when someone else, a manager from the secured credit card department. At the end of the call with the last person, a request was made for ID numbers of the employees ; it was revealed that the employee previously spoken to, who gave ID numbers, would have no way to access any ID numbers ( thus, info provided was made up ). As I have worked diligently to maintain steady financials, a solid credit score & well founded credit history, it is unethical to have been lied to in such a maliciously deceitful manner. Can provide call recording.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-18

NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-17

Henderson, NV

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Stroudsburg, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Campton Hills, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Foothill Ranch, CA

Customer service / Customer relations

Credit card:

Complaint: On XXXX/XXXX/2016, due to a XXXX banking error, my account was temporarily frozen, causing two ACH payments to Discover to be returned. I contacted Discover before my payments were returned and resubmitted those payments via ACH ; also letting Discover know about the incident. Discover recognized the error was through no fault of my own and issued credits for the returned payment fees. However, since that incident, my account has been blocked from further making ACH payments. We are now going on 2-months without resolution. I 've talked to literally dozens of managers and supervisors within numerous departments, including Customer Service & Web Support ; and although EVERYONE recognizes that this incident is not my fault, nobody has the ability to successfully restore my ACH payment ability. I 've even sent in, via email and US Mail, an Apology Letter from XXXX, acknowledging their error. Because those at Discover can not figure out the appropriate process to restore my ACH payment ability, they continue pushing me off instead of taking the necessary time to find the appropriate channel, department or person with the authority and/or ability to correct this problem. At this point, Discover has ceased responding to my inquiries and complaints via all channels.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Lufkin, TX

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: i am trying to get my bank 'green ' in NOT getting notifications by snail mail. i want to receive notifications via email to go to my account online and logging in to get updates on when my CDs mature and when they rollover. bank states that it must be " written '' but does that necessarily mean MAILED? my bank is green in notifying me that my savings & checking statements are available, why ca n't they do the same with CDs?? why do they have to MAIL rather than have me go through my online account for the notifications?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

San Carlos, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Bedford Park, IL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-16

Ogema, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Hamburg, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I would Like to attached a copy of a police to Discover card inference to account XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response