DISCOVER BANK

2017-01-25

Hamburg, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I would Like to file a complaint on Discover card my son had opened up a credit card in my name Once I found out that a card was open up in my name filed a police report with my local police I did n't send the copy of the report to Discover due to the fact that I went ahead and Paid the card Office. Now Discover card is refusing to removed the Negative information from each of my credit File after sending them a copy of my police report. per the FDCPA / FCRA Consumer protection I feel that Discover card is in full violation of the federal Law I will be hiring XXXX Law Firm for Legal action if this matter is resolved
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-25

Atl, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Hamburg, MN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-25

Sierra Madre, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Conley, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Erwin, TN

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Roseville, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Manhattan, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Coto De Caza, CA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Oceanside, CA

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Halyoke, MA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

AZ

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

MT

Balance transfer

Credit card:

Complaint: I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Syracuse, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I have been consistently misled and kept in the dark about the process of my repayment and deferment. I called XXXX on around XXXX XXXX XXXX, and was told that I would be out of deferment and able to begin repaying my loans, waving my rights for the grace period. Because of usurious interest rates of XXXX and other student lenders, I accepted. The period in which I was to wait to enter repayment lapsed, and I was not notified and remained unable to begin repayment, which I needed to refinance my loans. I called XXXX to be told I was not going to be taken out of deferment, but instead would need to send a letter to request to forego the grace period and deferment in order to begin repayment. In the meantime, I accrued interest at usurious rates. The same story happened at Discover. I called on XXXX XXXX XXXX, and was told I needed to send a letter to Discover Student Lending services to remain out of deferment because " the system fluctuates and takes people out of deferment. '' No changes on my account occurred, and I called back roughly 10 days later ( accruing well over {$100.00} in interest over that period, over {$100.00} in seven days, to be specific ). When I called to inquire about this, I was told they were waiting to take me out ( two business days after the 5 business day period I was told ) of deferment. I was told in that phone call contradictory information, i.e., that I did not need to send a letter. I called on the following Monday, and was told I did need to send a letter, and that I had n't been given false information. I was under the impression that this would be a personal letter, as the first representative stated. The representative did n't state otherwise and offered no specifics. I later called back to get specifics, only to be told to " hold '' while the representative " researched '' the policy. She returned to the phone to tell me that I needed a letter from my university requesting to forego my grace period and deferment and enter repayment. This seemed odd, given the substance of the first and second representatives ' information. I requested to speak with a supervisor, who then told me I did need to send a letter -- he later informed me of the upload feature, but only after I mentioned a lawyer. No other representative offered knowledge of an immediate upload feature. US mail would have taken additional time, and additional interest. Anyway, this supervisor told me I needed to send a personal letter -- not a letter from my university -- in order to forego grace period and deferment. I asked, " This is the fifth person I 've spoken to, and the fifth type and level of asymmetry of information I 've received. '' He said, " It 's on the website. '' I said, " Show me. '' He could n't, and after a brief hold, returned to tell me " it 's not on the website. '' I said, " Interesting. '' I then asked about the interest I 'd accrued during this week and a half run around. He misrepresented that amount, and said, " It would be 'dollars. ' '' I said, " How many 'dollars? ' '' His rejoinder : " over {$100.00}. '' I accrued over {$100.00} additional dollars in interest in " seven days, '' while they misled me and fed me false information. They did the same for four years, leading us to believe -- without any notifications -- that we would n't be accruing significant interest, burying the transparent amount over the course of years ( again, without even a courtesy call to let me know the amount I 'd accrued ). I had accrued {$30000.00} in 4 years while working toward a XXXX. Example of the lack of transparency in this period of interest accrual? I called in XXXX of XXXX, and in XXXX XXXX. In those six months, they raised my interest rates three times without so much as an email notification. These banks are not making it easier for students to pay them back, they 're making it harder to make more money. Otherwise, they 'd offer better counsel and more communication.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Patterson, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have been in the hospital. I can not pay my Discover credit Card.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Okc, OK

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Canal Street, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Draper, UT

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Bardstown, KY

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

E Atlantc Bch, NY

Can't repay my loan

Student loan: Federal student loan servicing

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Wallington, NJ

Advertising and marketing

Credit card:

Complaint: I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. In summary, Discover credit card has unfair dealing and cheating me on the promotion.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-01-23

Lenzburg, IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I had discover student loans. I refinanced them with XXXX. XXXX sent them the check for the refinance on XXXX XXXX 2016. Discover cashed the check on XXXX XXXX 2016. The money never posted to my account. Discover says although they might have cashed the check, they can not locate the funds therefore they can not do anything about it. XXXX has sent check images to prove the check was sent and cashed but discover still say that it is not their problem. They are not doing anything to resolve the problem. They will not talk to XXXX about the issue. Discover still says I owe about XXXX dollars when my loan through them should have a {$0.00} balance. I have called them almost every day since XXXX to resolve the problem. I keep getting pushed around.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-22

San Diego, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-22

Lincoln, NE

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response