DISCOVER BANK

2017-02-15

MD

Payoff process

Credit card:

Complaint: I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-15

Addisleigh Park, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-15

Lakewood, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

City Of Spokane Valley, WA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-15

Canoga Park, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Federal Way, WA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Dupont, IN

Other

Credit card:

Complaint: Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-15

OK

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Complaint: My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. Now I send to you with my attach officially name change document.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-15

AZ

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: Dear XXXX XXXX : Thank you for the reply to matter # XXXX. Please let me clarify and respond. 1. My requests to you for your personalized response, left on your direct voicemail ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ) where all attempts to grant you permission to call and discuss the matter with me. Hiding behind a request by me not to receive automated collection calls is absurd. You officially, on the record, have my permission to call me to discuss this matter. 2. Beginning in XXXX XXXX, by my frequent and regular communications with Discover I have expressed nothing by an interest in working out these obligations so that I can better pay them on a regular basis while also begin repaying my federally secured student loans. Asking for a principal reduction was only one request. If you were to spend some time listening to previous calls and reading account notes, had your team members properly documented the account, you would also hear my many requests to restructure the loans to lower the monthly payment. That can be done by graduating payments, amortizing over a longer period of time, forbearing one loan while the other is being repaid, reducing the interest rate, and on and on. The number of possible work out solutions is quite expansive. Instead, your company with their consistent and robotic responses have said there is nothing we can do. 3. Contradictorily, your representatives have also told me each time I called since XXXX that I could pay a lesser amount, representing one month 's payment per loan to avoid the loans charging off at 150 days. I was also told, on numerous occasions now, that the loans would be turned over to the insurer after the loans have charged off at the expiration of 150 days past due. Since XXXX, I have been following that edict, alternating payments of approximately {$230.00} per loan around the XXXX and the XXXX of each month. The significance to those dates is that when I called in XXXX, I was told by the representative that Loan XXXX was at that time 141 days past due and that it would hit 150 days past due on XXXX/XXXX/XXXX. On the same call, I was told that loan XXXX was 110 days past due and that it would hit the 150 days past due mark on XXXX/XXXX/XXXX. I have not missed a payment since making the first payment on XXXX/XXXX/XXXX. Surprisingly, when I called this week on XXXX/XXXX/XXXX to make a payment ( the first business day after XXXX/XXXX/XXXX ), I was told both loans were 139 days past due and that they would hit the 150 day mark on XXXX/XXXX/XXXX. This is highly questionable given my payment history since XXXX and at the least, unfair and deceptive treatment given prior conversations with your company 's representatives. 4. What has become even more alarming now, is that in your response to my CFPB inquiry and complaint is your position that you " will be [ filling ] a claim with XXXX soon '' and that my only recourse at this stage is to bring the accounts current. Not only is this statement abusive in that it now threatens something that is contrary to what I have consistently been told since XXXX, it is unfair and deceptive. This bait and switch approach to collections is the very reason the CFPB exists, to help level the field and open communications between company and consumers. If I could afford to bring my accounts current on the schedule you now prescribe, I would not be talking to you, your collection representatives, or the CFPB. Please see attached document for the rest of this grievance. Thank you!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-15

Cartersville, SC

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2017-02-15

TX

Billing disputes

Credit card:

Complaint: Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Brooklyn, NY

Customer service / Customer relations

Credit card:

Complaint: This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. Thanks, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Fountain Hills, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

WV

Delinquent account

Credit card:

Complaint: Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-14

East Millstone, NJ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Cartersville, SC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

San Gabriel, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I co signed a loan for my daughter Discover sl has refused to go after her -- i feel they should try and find her -- she is not talking to us anymore. and will not work with me. They call me just before the payment is due or say your just a couple of days late and it has not affected your credit yet but if you do n't pay now -it will
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Warren, MI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Magnolia, TX

Customer service / Customer relations

Credit card:

Complaint: They said once they received a letter from the bank that there was a typo on giving me my new account number that they would reopen my account but they never did!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Middletown, DE

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-13

Hampton, VA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-13

Glassell, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-02-13

Everett, WA

Rewards

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-13

Chicago, IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
Company Response: Closed with explanation

Disputed: No Timely Response