DISCOVER BANK

2019-09-13

Washington, DC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Add-on products and services
Company Response: Closed with explanation

Timely Response

2019-09-13

MN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Please see attached letter from Discover Bank, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and XXXX credit report. I/XXXX contacted Discover bank by phone questing why hasn't Discover sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. . I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. Thank you, XXXX
Company Response: Closed with explanation

Timely Response

2019-09-13

Rochester, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-09-13

AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have several unauthorized credit inquires on my personal credit report. I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted XXXX and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. I would like to request that XXXX initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. The inquiries are as follows Discover Bank Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019
Company Response: Closed with explanation

Timely Response

2019-09-12

TN

Problem with fraud alerts or security freezes

Credit card or prepaid card: General-purpose credit card or charge card

Complaint: I've been using my DISCOVER credit card for about 2 years. I ALWAYS paid my bill on-time and in full each month. Two months ago, DISCOVER froze my card without notification. Then they sent me a notice that they wanted me to sign IRS Form 4506 which would give them access to my federal tax filing information. They didn't need that when they initially issued me credit, so why now. They could not give me a reason nor a reason for freezing my account. So, I would not sign this 4506 authorization and DISCOVER is now closing my account. I want a reason why they froze my account to begin with. And, did they ask 4506 signatures from all their other clients for no reason or did they discriminate against me?
Company Response: Closed with explanation

Timely Response

2019-09-12

TN

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. My credit card spending privileges have been suspended despite making timely payments
Company Response: Closed with explanation

Timely Response

2019-09-12

Northridge, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-09-12

Patterson, MD

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I assumed the personal loan at 13.99 % interest would be amortized like a regular credit card loan. I have fixed 84 payments and i have made 23 payments so far. The initial loan amount was {$35000.00} and the monthly payments are {$660.00}. All 23 payments made so far on time. This totals {$15000.00} in total payments made over 2 years and my balance has only declined by {$6600.00}. More than half of my payment has been going to interest payment, like a mortgage. I feel this is wrong and was not explained
Company Response: Closed with explanation

Timely Response

2019-09-12

N San Juan, CA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX
Company Response: Closed with explanation

Timely Response

2019-09-12

Atl, GA

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-12

Atlanta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: So there was an account that was reporting on my credit report from Discover Financial. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.
Company Response: Closed with explanation

Timely Response

2019-09-12

Clarkesville, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-11

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with explanation

Timely Response

2019-09-11

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-11

Houston, TX

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest
Company Response: Closed with explanation

Timely Response

2019-09-11

PA

Wrong amount charged or received

Money transfer, virtual currency, or money service: International money transfer

Complaint: On XX/XX/XXXX, I sent an international wire transfer through Discover Bank, to an account in the XXXX XXXX XXXX XXXX of the amount USD {$21000.00}. I was informed by the bank that a USD {$30.00} fee will be charged to my account and the full USD {$21000.00} will be transferred to the XXXX account. When I inquired about the exchange rate, they refused to tell me the exact rate, but assured me the transfer will occur at the market rate at the time of the transaction and no other fee would be charged. The exchange rate on XX/XX/XXXX was XXXX USD = XXXX CAD. On XX/XX/XXXX, a pre-converted amount of XXXX {$26000.00} was received in the XXXX account, almost CAD {$1000.00} ( or USD {$750.00} ) less than what was promised. This corresponds to an exchange rate of XXXX USD = XXXX CAD, approximately 4 % less than the market rate. A separate CAD {$17.00} receiving fee was charged by the XXXX XXXX XXXX XXXX, and they confirmed they did not make the conversion. In summary, despite me inquiring about the fees/premium or exchange rate multiple times, Discover Bank assured me only a {$30.00} fee will be charged by them and their intermediaries. They also told me that the market rate will be used as the exchange rate. After the transfer, they refused to take responsibility for the money loss.
Company Response: Closed with monetary relief

Timely Response

2019-09-11

Lexington, SC

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-09-11

Santa Ysabel, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: I have had a Discover card for about 9 years now and just now became aware that I had been signed up for their Payment Protection Plan without my consent. They have been charging my account between $ XXXX {$30.00} each month and I had no idea about this. When I contacted them they cancelled the plan but told me they would only offer me a refund for the past 6 months, which amounted to {$200.00}. However, I know from my statements that they have been charging me for this for at least the past two years, and I am assuming for the entire time I have had my card without me knowing it. Judging by this, I believe they most likely owe me a much larger amount than only {$200.00}. I was told there was nothing they could do as far as a further refund goes, but I believe I am owed a full refund for the total amount they were charging me without my knowledge or consent.
Company Response: Closed with monetary relief

Timely Response

2019-09-11

Bakerview, WA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2019-09-11

Phila, PA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-09-11

Chicago, IL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.
Company Response: Closed with explanation

Timely Response

2019-09-11

Santa Paula, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-09-10

Moapa, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX fraud 2. discover bank, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Company Response: Closed with non-monetary relief

Timely Response

2019-09-10

Gloucester City, NJ

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: The Discover Card advertised a 0 % for 18 months on balance transfers. When I called the company to ask what the amount of the first payment, it was double the amount of what 0 % would be. Instead of 0 % of XXXX the total balance, which would be a {$61.00} monthly payment, they said the monthly payment was {$120.00}. They said I am being charged 2 % of the total balance. They did not state of disclose this in the application and terms and condition when I applied for the card. This is misleading and predatory lending by not making it clear the terms of the card, and enticing applicants to believe they will be paying 0 %, which I was lead to believe by lack of disclosure on the part of Discover Card.
Company Response: Closed with explanation

Timely Response

2019-09-10

Superstition Mtn, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Discover card accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all discover card accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All discover card accounts should be removed from my Credit File.
Company Response: Closed with non-monetary relief

Timely Response