DISCOVER BANK

2016-12-18

Cheverly, MD

Privacy

Credit card:

Complaint: Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-17

Wilm, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-17

Grover Hill, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-17

Memphis, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-17

Sioux Falls, SD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Ormond Beach, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Fremont, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

West Point, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Ogema, MN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Bloomington, MN

Credit determination

Credit card:

Complaint: Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

Hon, HI

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

Wonder Lake, IL

Rewards

Credit card:

Complaint: I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

Wonder Lake, IL

Rewards

Credit card:

Complaint: I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-15

Discovery Bay, CA

Customer service / Customer relations

Credit card:

Complaint: I have a Credit Card Account with Discover, ending in XXXX. I have been with Discover for over half a decade, without any issue, until XX/XX/2016. My Discover Credit Card ending in XXXX was compromised and some unauthorized charges occurred, which I reported promptly. The Card was closed, and an investigation was initiated. After the completion of the Fraud Investigation, a new Account was set up, transferring my credit and balances ; and I was contacted by the Customer Protection Team. I was prompted to set up a verbal password for my account, which I did. Since then, everything seems normal, as I never attempted to use the card. On XX/XX/XXXX, I requested a replacement card, and activated it on XX/XX/XXXX. I made some online purchases which went through, but then later cancelled by the Merchants ( i.e. XXXX and Kendras ). When I called the Merchants, I was told that the payments were not verified by my Financial Institution. Everyday since I had started using my Card, I have had to call Discover Customer Service everytime, because there is always a hold or a security flag on my Card, whenever I try to use it. My card never worked at the ATM for Cash Advance, I was told to go into the Bank and process a Cash Advance over the Counter, it still declined ; even when inputted manually. My card got declined from virtually everywhere ; gas stations, XXXX, XXXX, restaurants, etc. It never worked. I was told not to use my card for 24-48 hours, so as to let the system cool off/get used to my account, because the transacions were fresh. I stopped using my card, and after few days, on Monday, I attempted to use my card, it worked. I tried ATM access, it declined. I called customer service, I was told that my last transaction of {$61.00} at XXXX flagged the card. I was asked to try it again at the ATM, it declined. And I was advised again, to let it cool off and not use it for cash access, only purchases. Irrespective of the fact that I have gone through a lot with Discover, I explained I was doing XXXX shopping for my family and I was assured that everything should be fine with purchases. For some weird reason, whenever I call Discover and give them my verbal password, I was told it was incorrect. Mind you, this is the same verbal password I have had, never changed it. My card is blocked at the moment, and I was told to send in some documents. I have sent my Driver 's License, SSN Card, Rent Lease and copy of my Discover card to the fax number provided to me, XXXX twice and I am yet to hear back from Discover. It just saddens me that when someone else fraudulently used my card, Discover did n't play any of these games, to protect me ; but when I, the actual Cardholder wants to use my Card, its either a hold or a flag or something. Which makes me ask the question : should the Government and Regulators of Financial Institutions allow customers to suffer in the hands of Banks and other financial Institutions? Discover has records and notes of every call a Customer makes. Someone should go through my account notes and they will understand my frustration ; as this could have effect on my Cedit Reporting!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

CO

Other

Credit card:

Complaint: re ; complaint # XXXX ... ypu have recieved..i forgot to give you their phone # XXXX and address no physical e-mail Discover.com/XXXX invitation code : XXXX ( really )
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-15

San Antonio, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-15

Colts Neck, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

Spring, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-14

Diamond Bar, CA

APR or interest rate

Credit card:

Complaint: I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

CO

Other

Credit card:

Complaint: my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-14

Colts Neck, NJ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

Addisleigh Park, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Landfall Village, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Saint Paul, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-13

Neotsu, OR

Closing/Cancelling account

Credit card:

Complaint: We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.
Company Response: Closed with explanation

Disputed: No Timely Response