DISCOVER BANK

2016-11-21

Yuma, AZ

Other

Credit card:

Complaint: I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-20

Rochester, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. Please initiate an investigation and advise me as to the next steps to be taken. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-20

TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX cell phones were ordered on my credit card by someone other than myself the phones were to be sent to XXXX, XXXX XXXX Phone XXXX He is connected to a group of people that scams the elderly out money .the number for this group is XXXXperson affiliated with this group is XXXX, another address XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, Another phone number XXXX, XXXX XXXX XXXX. i do not know these people personally but i was scammed out of XXXX dollars by them if you need more information please get in touch with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

Arsenal, PA

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-19

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Discover bank purposefully delay to credit transferred in cash into my account. It also withheld the money in my account for several days before I could use it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-19

Oxford, GA

Late fee

Credit card:

Complaint: Discover credit card reported late payments to the credit reporting agencies, adversely affecting my credit. In XXXX XXXX, my estranged husband violated a standing court order and closed the Discover card which had his name on it, but it had been agreed it was designated for my exclusive use pending the final divorce decree. I was the primary card holder and had the card since XXXX. I called Discover and wanted to reinstate the card and was told that was not possible. I then offered to pay the balance and was told I must wait until the closing of the billing cycle. Since I did everything online, I was told my online access would stay active until the bill was paid in full. In XXXX, I received an email stating my bill was ready online, but my login did n't work. I was unable to login to pay, so I called Discover to pay my bill. I was told that the balance of {$160.00} had been transferred to the other Discover card which my husband had opened in my name as well as his ( again in violation of the court order ). I was told there was no balance to pay. Another month past and I received an email with a bill now past due and including late charges. I again called Discover to pay my bill but not late fees for which I was not responsible. The representative refused to remove the late charges and inferred I was lying about what I was told previously. I was justifiably indignant considering my 25 year history or always paying on time. After " stewing '' about it a while, I remembered Discover states that calls are recorded. So I again called and I asked the representative to listen to the recording ; I wanted to pay my bill, but not to pay late charges since I had twice tried to pay my balance. The representative returned to the line and she removed the late fees and took my payment information for the original balance of {$160.00}. After sincerely thanking her, I stated I wanted to ensure that my credit score would not be negatively impacted. She said nothing to indicate anything to the contrary. The representative was XXXX XXXX and she provided a reference number of XXXX on XXXX XXXX, XXXX. I believed this issue was resolved. Several week s later, while resolving account changes associated with the divorce, I received information that my credit score had dropped below XXXX from the usual mid to high XXXX. When I checked I saw Discover was reporting XXXX late payments. I again contacted Discover and was told they could only remove it if it was their fault ( which it clearly was ), but they refused to accept the responsibility, and again started inferring I was lying. I asked them to provide me with the recording or any transcripts of my many calls and they would not. They acknowledge I have called many times since my card was cancelled. They never claim that the calls were attempts to avoid paying or questioning charges. They remain adamant that they wo n't remove the late payment reports. At this time in my life, it is important to have this rectified. Because my former husband is a XXXX and stopped paying his bills, I have had to get all new credit cards, and new utilities at my home and my business, so he can not access and cause more harm. The end result of all the new applications and so many utilities checking my credit is my credit is negatively impacted. This ca n't be avoided, but the worst harm is the Discover reports. It is unrealistic to believe that after 25 years of paying in full on time that I would neglect to pay a {$160.00} bill. I would like Discover to remove the late payment reports. I have received a credit card denial and a letter from XXXX stating that due to my credit report, I did not qualify for discounted programming, activation fee and or equipment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-19

Chicago, IL

Other

Credit card:

Complaint: This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

Transaction issue

Credit card:

Complaint: My available credit shown on line was not accurate and caused me to have a transaction declined which was for auto parts needed in a timely manner. I was informed by Discover 's chat representative that it is a result of how Discover posts payments. Payments are showing as available credit online before they hard post to the account. I have XXXX other active credit cards, XXXX which updates credits once the payment hardposts and XXXX the day the payment is scheduled and not tied to posting. Discover 's practice is deceptive and should be systematically fixed so that a customer has accurate information available to them. In this particular case, I would not have attempted to use the card if the credit was not showing as available. The chat rep indicated that apparently the gap is from XXXX pacific to sometime the following day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

IL

Transaction issue

Credit card:

Complaint: I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. The charges that I would like help to dispute on my Discover card are : {$5000.00} XX/XX/2016 XXXX {$2000.00} XX/XX/2016 XXXX {$2400.00} XX/XX/2016 XXXX {$1700.00} XX/XX/2016 XXXX XXXX {$1200.00} XX/XX/2016 XXXX {$5100.00} XX/XX/2016 XXXX {$1900.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$16.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2016 XXXX {$3000.00} XX/XX/2016 XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-18

Cumming, GA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-18

Patterson, MD

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-18

Gaithersburg, MD

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-11-17

Mount Lookout, WV

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Bristol, CA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Brookline, MA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Oxford, GA

Closing/Cancelling account

Credit card:

Complaint: I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit {$18000.00} with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never had a late payment, customer of XXXX ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-16

Marina Del Rey, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Castle Rock, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Guadalupe, AZ

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Okc, OK

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

CA

Customer service / Customer relations

Credit card:

Complaint: On XXXX, I called Discover to talk with them about an open dispute I have. My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Winton, CA

Credit card protection / Debt protection

Credit card:

Complaint: XXXX My experience with XXXX : Unethical Sales Practice XXXX XXXX I was walking through the outdoor mall in XXXX XXXX and was approached by a girl outside of the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. She was offering free hand cream samples. When I grabbed XXXX she said would you like some eye cream? I said o.k. and a man from the shop named XXXX insisted I come in so he could show me how the eye cream works. He began putting the cream under my left eye to demonstrate that It worked. He was very high pressure and was a smooth talker. I purchased the eye cream and he threw in some additional products, moisturizer etc .... and I bought the product for {$480.00}. I should have stopped it there. He then mentioned that I needed more help on my sagging face and wrinkles ( a good sales technique, tailored for a woman who is at the stage of life that she is feeling self conscious of these things ), he then applied a mask to my face and neck. I was ready to walk out. But my face was full of product. He then somehow convinced me that I needed this stuff and I bought into it and purchased another {$2100.00} on my discover card and {$1000.00} on my visa card. I was supposedly getting {$8000.00} worth of miracle skin care products for a fraction of the cost. He even added additional items at no cost ( none of which were itemized on receipt ). I should have realized this was a bit odd, when he continued putting items in my bag. My boyfriend said maybe you are ok with the eye cream. I should have listened. They push the receipt at you while you are having your face worked on and you do n't even realize what you are signing. Never did they mention there was no refund on these items. They charged my cards for the product. Since we were flying home my boyfriend suggested we should not take this in our luggage. XXXX the owner said he would ship the items to our house at no additional cost. We were leaving store empty handed and XXXX the owner, insisted we take some golden masks with us. We took them and headed out to our hotel. My boyfriend and I were discussing the purchase we XXXX thought it all sounded strange. XXXX himself, when trying to make the product seem amazing said this was a reputable product not like the stuff you buy off tv that adds more things for the same price, I ca n't believe I fell for it. When we got back to the room I looked up adore on my cell phone. There were several reviews on yelp about it being a scam, the better business bureau does not accredit them because of XXXX complaints in the last three years and online it said that their receipts said no refunds. I had not read the small print on the receipt, I cant read small print without reading glasses and it never occurred to me that cosmetics could be purchased with that policy. Sure enough the receipt said there are no refunds. Exchanges only within 14 days and all sales are final. No where in the store were there signs stating that. The sales people never mentioned that to me either. I went on the XXXX website and it states that they will refund unopened product within 14 days in the form of credit to credit card holder for items purchased through XXXX website only. disputed and lost with cc company never got anything for money.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-16

Bellaire, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: Discover took over the loan from XXXX in XXXX XXXX. Initially, my student loan rate at XXXX was 6.25 % but Discover increased my rate to 6.5 % in XXXX XXXX when it assumed the XXXX portfolio w/o communicating the terms to me via email or by mail. When i graduated in XXXX XXXX I had applied for auto debit that should lower my rate by 0.25 %. They did not entertain that. Then again, I see that that they increased the rate to 6.625 % in XXXX XXXX. In XXXX XXXX, they have increased my rate to 6.875 % in XXXX XXXX, to 7 % in XXXX XXXX and now 7.125 % in XXXX XXXX. This is a rip off since this was a fixed term loan and not a variable interest loan. All this while, my credit scores are going up and the interest rates have gone done. So why is Discover abusing and charging more fees that they are not communicating to me directly via email or via phone or via mail when they have all my information? I need money back for this negligence at their end and credit for extra fees paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Lincoln, NE

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-15

Cocoa, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response