DISCOVER BANK

2017-02-04

Avondale Goodyear, AZ

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-03

Chicago, IL

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-03

Washington, DC

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Jefferson, WV

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

Clementon, NJ

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

GA

Other fee

Credit card:

Complaint: My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

Ft Belvoir, VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Wrentham, MA

Billing disputes

Credit card:

Complaint: On XX/XX/XXXX I called Discover credit card services and intitated a dispute over the phone in the amount of {$2000.00} for a charge that I made using my Discover Credit Card to pay XXXX XXXX XXXX. I initiated this dispute and asked for a full refund be applied to my Discover credit card, because the shipping company told me they were unable to " release '' the paid for merchandise, or schedule a delivery date because XXXX had not paid for the shipping charges. I called XXXX and spoke to XXXX who said " she would take care of this and that the shipping company would call me back the same day to schedule a delivery time. '' This never happened. I emailed XXXX and XXXX several times explaining what needed to be done in order for my items to be delivered. On XX/XX/XXXX I emailed XXXX and XXXX to explain that my order could not be released. After several other emails, and unreturned voice mails, because I did n't get a response from XXXX after I emailed them to cancel my order and refund the entire {$2000.00} back to my Discover Card I reached out directly to Discover Credit Card on XX/XX/XXXX. I was told that I would be issuesd a temporary credit for 30 days in the amount of {$2000.00}. I was NOT at this time told, that because I had a previous open dispute against XXXX which stemmed from the same single transaction ; that even if XXXX failed to respond to Discover 's investigation within 30 days the line of credit for {$2000.00} would automatically be revoked after 30 days. My first dispute against XXXX was due to a change in my orignal order paid by my Discover card in the amount of {$8600.00} on XX/XX/XXXX. I had to initiate the first dispute against XXXX becasue they refused to refund my Discover credit card the difference in the balance owed back to my Discover credit card after I had changed my order now Order # XXXX with XXXX on XX/XX/XXXX. On XX/XX/XXXX I called Discover and spoke to XXXX in the Billing Assistance Dept. in Delaware. At this time she told me that this was only a temprary credit and would be revoked on XX/XX/XXXX because they could not have two disputes against the same business for different amounts. I explained in detail why there were two separate disputes. I also said that on XX/XX/XXXX an employee did tell me this was a temporary credit for 30 days, but failed to expalin that unlike the first dispute the credit would automatically be revoked after 30 days even if XXXX ddi n't respond to Discover 's invetigation because it was from the same business. I told her that the first dispute was still " open '' when I initiaited the second dispute against XXXX. I also told her that these two disputes were from the same single transaction when I used my Discover Card to pay XXXX on XX/XX/XXXX. I was told to write a certified letter to XXXX. I told her this would not help me since they refuse to respond to my emails or voice mails. I spoke to XXXX XXXX XX/XX/XXXX from Discover 's Executive Office before officially filing a XXXX complaint on XX/XX/XXXX. She said that there was nothing Discover could do to help me with this issue. I informed her of all the facts, and the paperwork that Discover has to support my case. Again, she told me despite the fact that I never received any merchandise, and despite XXXX 's unwillingness to respond to my emails, or voice messages Discover would not be able to make the " temporary '' credit for {$2000.00} a permanent credit. Although, XXXX did n't respond to Discover 's investigation within 30 days. ( Unlike the first dispute against XXXX that was settled in my favor, because XXXX failed to respond to Discover 's investigation within the 30 day time frame. ) I was given no Notice as to the " temporary '' credit being revoked on XX/XX/XXXX, until XX/XX/XXXX when I called Discover to confirm the " temp. '' credit was now permanent due to XXXX 's failure to respond.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-02

Twinsburg, OH

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Dallas, TX

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Lk Buena Vis, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Roseville, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Three Bridges, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Roseville, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Three Bridges, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: DISCOVER BANK WOULD NOT ALLOW ME TO CASH MY CASHBACK BONUS BALANCE ON MY CHECKING ACCOUNT
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Sacramento, CA

Other

Credit card:

Complaint: When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Glendale, CA

Credit card protection / Debt protection

Credit card:

Complaint: I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

San Gabriel, CA

Credit card protection / Debt protection

Credit card:

Complaint: XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

NY

Credit line increase/decrease

Credit card:

Complaint: XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Three Bridges, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I can not lodge external fund transfers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Keystone Heights, FL

Transaction issue

Credit card:

Complaint: I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-01

Moline, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-01

Leming, TX

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-01

Mem, TN

APR or interest rate

Credit card:

Complaint: Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-01

MO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..
Company Response: Closed with explanation

Disputed: No Timely Response