DISCOVER BANK

2017-01-05

Jefferson, WV

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Glendale, CA

Other

Credit card:

Complaint: MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-05

Shiloh, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Cherry Hill, NJ

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

2017-01-04

Fort Lauderdale, FL

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-04

Chicago, IL

Advertising and marketing

Credit card:

Complaint: I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Lexington, NC

Billing disputes

Credit card:

Complaint: Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Baltimore, MD

Closing/Cancelling account

Credit card:

Complaint: I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Alexandria, VA

Other

Credit card:

Complaint: On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Moreno Valley, CA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Hazleton, IN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Lewiston, NY

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Orlando, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-02

Monroe, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Atlanta, GA

Billing disputes

Credit card:

Complaint: I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Bohemia, NY

Billing disputes

Credit card:

Complaint: There was fraud committed against me in XXXX 2013 by sister in law that used to live with us. over $ 4XXXX in online charges were made by this person. shortly thereafter she moved out and left the state. I have called numerous times to Discover, filed fraud affidavit, and even a police report. They did credit most of the charges however, they left over {$800.00} for some reason. I am now learning about this as a result of being turned down for a car loan, because of the discover issue that is apparently reflecting negatively against my credit. This issue will now force me to pass up an opportunity to privately sell my current vehicle and most likely be forced to trade it in, in order to process the loan and obtain the new vehicle. This will cost me money I can not afford to lose.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-12-31

Cleveland, OH

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

Williamston, MI

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX XXXX, 2016, I purchased a smart XXXX Watch XXXX XXXX XXXX at XXXX XXXX for {$290.00} ( excluding tax ) using my Discover XXXX credit card. I found a lower price on XXXX XXXX, 2016 for the same exact item on XXXX for {$220.00} ( excluding tax ). On XXXX XXXX, 2016, I submitted a claim for Discover 's Price Protection, a program which reimburses you for items purchased with your Discover credit card if you find a lower price for the item within 90 days. The claim was for {$71.00} ( the difference between the price I bought the item for and the price I found a few days later for the same item ). When I filled the claim, the claim representative indicated that watches are excluded per the terms and conditions. I read the terms and no where did it state that watches were excluded. The representative claimed that watches are considered jewelry, which is excluded in the terms and conditions. I asked the representative if you can turn on and off jewelry items as my claim was for a smart watch that can be turned on and off. She agreed that you can not turn on and off jewelry items, and then gave me a claim number ( XXXX ) to submit the proper documentation. I called to check the status of the claim and was told it was denied since it was a watch. I spoke with a women in the President 's Office of the claim administrator and they indicated that Discover gave them directions to exclude any item that even included the word " watch '' in the product name. I explained that the XXXX Watch is a smart watch that is not sold in jewelry stores or in the jewelry department. Moreover, I explained that the XXXX Watch is essentially a mini computer that you wear on your wrist, that can make and send text messages, calls, and even check the current weather ; I explained that the XXXX watch is an electronic and not a jewelry item. She indicated that this is not the first time that a smart watch has been denied and it is under the direction of Discover. I called Discover prior to this conversation with the Claim Administrator, and the Discover customer service agent filed a inquiry regarding this subject matter and said the executive office may or may not contact me back. Discover never contacted me back. My claim was denied because Discover is claiming this is a jewelry item even though the claim administrator representative on XXXX agreed that jewelry can not be turned on and off and thus agreed that the XXXX Watch was not a jewelry item.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

Richmond, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

New Port Richey, FL

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-30

WI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

Anaheim, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-29

Skipperville, AL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Strasburg, VA

Advertising and marketing

Credit card:

Complaint: The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-29

Lake Havasu City, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response