DISCOVER BANK

2016-12-29

Tampa, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-29

Winter Park, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Zebulon, NC

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Lake Havasu City, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Jamaica, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Mahwah, NJ

Cash advance fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Omaha, NE

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Newtown Sq, PA

Balance transfer fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-28

Northbush, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Sunnyvale, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Palos Park, IL

Credit card protection / Debt protection

Credit card:

Complaint: On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. Below is your advertisement, what a joke! Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-28

Wilmington, DE

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: First, I would like to provide you with some background and understanding. I have a private student loan with Discover, roughly in the amount of {$80000.00}, including interest, that was borrowed at a very high interest rate, due to the fact that it was borrowed around XXXX, when the economy collapsed. This loan was used for my XXXX degree. I graduated from XXXX XXXX University in XXXX. It is now XXXX and I just graduated XXXX this past spring. I am now employed full-time in a XXXX XXXX job as XXXX, making roughly {$50000.00} per year. I am now ready, willing, and able to make payments every month on my Discover loan and all the other loans I have. However, in addition to the Fed Loans I am paying off from XXXX, I am also making payments on other significantly large private loans used for my XXXX degree. Needless to say, an extremely large portion of every paycheck goes towards paying off these loans. When you take that expense, plus all the other expenses of living, I am in dire need to get my student loan payments lowered. Therefore, I recently contacted my borrowers in an attempt to get my payments lowered. The only borrower who has not been willing to significantly lower my payments has been Discover Student Loans. After my phone call with them today, I have spent roughly 20 hours on the phone with them trying to find someone who has the authority to help me. The first ( and still only ) payment reduction they have offered me is lowering my current payment of {$840.00} to {$770.00}. That is a reduction of {$70.00} on a {$800.00} monthly payment. To me, this reduction is laughable when you compare it to the other private loan payments I have had lowered. For example, the next largest private student loan payment I have is with XXXX. That payment was lowered from {$820.00} per month to {$280.00} per month. That is why I have spent so many hours on the phone trying to find someone who can meaningfully lower my payments. This brings me to my complaint ... I finally got in touch with a gentleman by the name of XXXX, who claims to be the head of Discover 's Payment Assistance Department. Our initial conversation gave me hope, as he told me that if there was anyone who could get my payments lowered, it was him. After over a month of phone conversations with XXXX, I have been offered time and time again the same laughable {$70.00} reduction on a $ XXXX monthly payment. I explained that I am simply looking to have my payments temporarily lowered until I can pass the XXXX and get a pay increase. Discover currently offers a few options to get your payments lowered temporarily. However, there is only XXXX program that significantly lowers them, called their " Hardship '' program. The reason this is the only option that significantly lowers it is because it is the only option that actually temporarily lowers the interest payment. Without that, the lowest your monthly payment can be lowered is 10 % above the total amount you earn in interest every month. For me, this is the {$770.00} every month. This is not something I can afford. I am submitting a complaint because I have repeatedly asked the head of Discover 's Payment Assistance Department to tell me why I am being denied the " Hardship '' Program that would actually give me the temporary help I need. First, XXXX told me that he could never tell me why I am being denied that program. Then XXXX told me that he did n't know. Then XXXX told me that he did n't know but that someone who did would send me a letter telling me specifically why I in particular am being denied the " Hardship '' program. XXXX told me I would receive the letter within a week. That was a month ago now. I called to see why I had n't received it and XXXX told me that it was because the guy who sends the letters was on vacation. XXXX and Discover are both liars
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Carrsville, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-28

Alexandria, VA

Transaction issue

Credit card:

Complaint: I paid some bills yesterday from my Bank XXXX XXXX XXXX ( routing # XXXX, account # XXXX ) yesterday XXXX XXXX. I intended to pay my Mortgage XXXX ( act # XXXX ) for {$2200.00}, but when I checked today on line, by bank XXXX XXXX XXXX instead paid my Discover Card ( account # XXXX ) with a confirmation number XXXX. I called DiscoverCard today, talked to a XXXX in Billing department in Delaware, and XXXX said 1 ) she has no record of ever receiving the {$2200.00} and 2 ) that there was nothing that she could do. In other words, the {$2200.00} vanished into thin air!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Arlington, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Cleveland, TN

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-27

Santa Rosa, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-27

Arlington, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

ME

APR or interest rate

Credit card:

Complaint: on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Cadwell, GA

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-26

Ontario, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Leeton, UT

Delinquent account

Credit card:

Complaint: Discover card was paid almost 2 years ago and they continue to update monthly and damage my credit. It is affecting my financing and they are in violation of the FCRA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Cadwell, GA

Billing disputes

Credit card:

Complaint: I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! Thanks in advance!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-24

Bloomington, MN

Credit card protection / Debt protection

Credit card:

Complaint: I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-23

Garwood, ID

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response