DISCOVER BANK

2017-01-22

Clermont, FL

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-20

Ardsley, PA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-20

MD

Other

Credit card:

Complaint: I HAVE HAD AN ACCOUNT WITH DISCOVER CARD SINCE 2011. I HAVE PAID THEM AS AGREED MONTHLY EVER SINCE. HOWEVER, NOW THEY HAVE DECIDED THAT THEY WILL NOT GRANT ME CREDIT ANY LONGER? I HAVE NOW AN AVAILABLE CREDIT LIMIT OF SOME {$1500.00}. THEY REFUSE TO ALLOW ME TO USE THIS ACCOUNT? I AM VERY ANGRY ABOUT THIS TO SAY THE LEAST!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Woodland, WA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

La Vernia, TX

Other

Credit card:

Complaint: This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. The representative I chatted with about this today was not concerned about this unknown company. There has been a data breach and DFS is hiding it. They refuse to identify a company that they are possibly sending money.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-20

Reno, TX

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Sacramento, CA

Billing disputes

Credit card:

Complaint: This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-19

Marlboro, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-19

Bethayres, PA

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2017-01-19

CA

Billing disputes

Credit card:

Complaint: XXXX XXXX XXXX came into my store to purchase a watch. She called me on XXXX XXXX, 2016 at XXXX inquiring about an ad she saw on XXXX where I advertise my watches. She was asking questioned and I told her she was welcome to come see the watch if she likes. She asked if she can come in the same day, I told her I normally do n't take customers after XXXX but, since it was a woman I felt comfortable to let her come in. She said she can be there by XXXX because she works at XXXX and she can get to my office pretty quickly. I figured it should n't take that long so I said ok. At XXXX I called her to see where she is and she told me she was exiting and that there was a lot of traffic. I called her back again at to let her know that I ca n't just sit here all day waiting for her but, she told me she was parking the car across the street. Anyway, she was in my store a little after that. She came in and asked many questions and I showed her other options. She decided to go with the one she initially saw online. By this time it was almost XXXX. I was rushing because my parking lot closes at XXXX. She gave me her credit card and before I submitted the transaction, I looked up at her face and gave her the total which was {$2000.00} + 9 % tax at the time which was {$180.00}. So her total was {$2100.00}. She gave me this look like Oh great and I asked her if it was ok for me to run the card. She gave me the ok and I went ahead and did it. After I submitted the transaction, I asked for an autograph from her but as we got busy talking and I had to provide other documents to her, she took my copy of the signed receipt and I did n't realize it. Before all that, she mentioned to me that she was nervous because she has never made such a big purchase for herself and I told her that I 'm sure she deserved it. Anyhow, 3 weeks later, she filed a dispute with her credit card ( Discover ) that she never authorized the charge. I called her the next morning after seeing the email from XXXX to remind her of the transaction but she hung up the phone on me as soon as I told her who I was. I called back one more time but she sent me straight to voicemail. I immediately went to XXXX and filed a police report for fraud. The detective got a hold of her because I had her phone number, and she stated to the detective that she had n't been to my store or anywhere near downtown XXXX XXXX for the past 2 months. The next day she called the detective back and gave her a different story. She told her that she was afraid to tell the truth because someone had supposedly been harassing her therefore, she was n't sure if the detective was a real detective or not. Now that she was scared that I reported her, she changed her story and told the detective that she was in my store but I charged her the wrong amount. This entire time, my merchant who is XXXX was the middle person between me and her credit card. I gave all the supporting documents that they asked for. They finally came back and said that I charged her too much. i was ok with giving her the difference just to end this nonsense but Discover decided to go in her favor and refund her entire {$2100.00} and she got to keep the watch. She then claimed that the watch is not a good quality. Fine then, you should have brought it back to me. Why play games? This was all set up and Discover gave all her money back to her and she kept the watch. Really? It 's either bring the watch back and get all the money or lets just give this person who has nothing else to do but to XXXX other people some change back so we can all move on with our lives. I 'm not happy with the outcome. Discover knows that she 's lying. She changed her story several times. in the end they know supposedly I charged her more. Then she should be getting back the difference. Why the entire amount? Why a free watch? Is this how messed up the system is?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-19

Alts De Utuado, PR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Bedford, TX

Closing/Cancelling account

Credit card:

Complaint: This is a new card we just got. I made two purchased on the card for around {$800.00} and {$700.00}. We have multiple accounts, and we typically move money over every time we pay a bill as to avoid fraud which has happened to us in the past. I made the mistake of telling my wife to pay on our Discover card {$800.00} and I meant to say {$700.00}. We did n't realize this was a problem until we received a notification from our bank in the mail. The next day I contacted Discover to tell them what happened and to make a payment. The customer service was rude and unwilling to help me. They said they closed my account because they thought it was fraud, and this will hit our credit. I explained this was an honest mistake and because of fraud we typically only move the amount we are paying over to the account. I told her I can make the payment by phone that day, and asked why they never notified us to tell us the payment was declining or to tell us they are closing our account. We never received a phone call, or notification by mail or anything. I called them when I got the notice form our bank. I do n't understand this type of customer service. I already made the payment to them, but I am dissatisfied that no one was willing to help me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-18

Masonville, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-18

TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Loveland, CO

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-18

Leming, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Val Verde, TX

APR or interest rate

Credit card:

Complaint: I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Edison, NJ

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-17

Saint Paul, MN

Billing disputes

Credit card:

Complaint: Discover is overstating my current balance by {$130.00} and they should give me a refund. Please contact me via email with any questions.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-17

Dallas, TX

Rewards

Credit card:

Complaint: Please see the attached statements and support. I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-16

FL

Payoff process

Credit card:

Complaint: I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Dallas, TX

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Sacramento, CA

Other

Credit card:

Complaint: My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-14

Wann, OK

Payoff process

Credit card:

Complaint: I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.
Company Response: Closed with explanation

Disputed: No Timely Response