DISCOVER BANK

2016-10-13

Myrtle Beach, SC

Forbearance / Workout plans

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-13

Fayetteville, NC

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Natrona Hts, PA

Closing/Cancelling account

Credit card:

Complaint: Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-13

NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Gilman, IA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Fleming Island, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-10-11

Bridgetown, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Campton Hills, IL

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Fontanelle, IA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-11

Bueche, LA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-11

Sterling, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-10-11

TX

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Complaint: I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Garrett Park, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Drexel Hill, PA

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

2016-10-11

Louisa, VA

Closing/Cancelling account

Credit card:

Complaint: Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-10

Farr West, UT

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-09

Brooklyn, NY

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-09

Charlotte, NC

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-08

Key Biscayne, FL

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-08

NY

Closing/Cancelling account

Credit card:

Complaint: A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-07

Brooklyn, NY

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Oxford, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I will be graduating from XXXX University XXXX XXXX XXXX on XXXX XXXX, XXXX. As grades will be posted XXXX XXXX, XXXX the XXXX XXXX date is what is reported to the XXXX and my student loan companies. Discover Student Loans services a large portion of my private loans and is advising me I will receive a bill sometime after XXXX XXXX that is due XXXX XXXX. Considering Discover 's billing cycle is 23 days I have inquired why that is and they are stating if they can get a bill generated within 14 days they find this period to be reasonable. As such if my reported graduation date was the date of the actual ceremony ( a mere 6 days ) I would not have a bill due until XXXX XXXX, XXXX. This seems like a direct admission that discover is using a 3 day window to unfairly demand payment. I find it unreasonable to send someone a bill and expect payment within two weeks which for most Americans is XXXX pay period. Excusing the fact that this will also be due 3 days after XXXX, the only solution Discover is offering is that they have no late fees and I will have until XXXX XXXX, XXXX before my payment is considered late. This is not a viable solution as once my loans are in repayment I will have to use XXXX checks that I receive in one month to meet the payment due. If I pay the loan the way Discover is suggesting I will continue being near the " late date '' every month. Furthermore, for a lender that does not consider or factor your income ( {$42000.00} ) and simply requires payment based on their calculations Discover should not suggest to ANYONE how to pay their student loans based on when they are receiving paycheck considering Discover does not offer income based repayment. I have tried on several attempts to circumvent defaulting on my loans with Discover and have been successful thus far, however Discover advising me two weeks before a payment is due is not only inappropriate it is an unacceptable practice that should not be allowed. I am not requesting a month of forbearance or anything of the such I am requesting an appropriate billing cycle like everyone else is allowed so that I can budget between Ramen noodles, rent, and not defaulting on loans that offer little if any repayment options. Please also consider that I receive my current student loan statement on the XXXX of each month. As such I would receive a statement on XXXX XXXX, XXXX showing my loans are in deferment and no payment is due, to then receive a statement a week after the XXXX telling me I have 10 days to pay my loan? This is the very definition of unreasonable. I am looking simply to have my student loan payment due XXXX XXXX, XXXX instead of XXXX XXXX, XXXX less than two weeks after I even receive my diploma. This means my next loan statement on XXXX XXXX, XXXX would allow ample time to budget and pay the sizable amount due. I am not sure that this practice is illegal or discriminatory, however I am absolutely certain that is it unfair to expect graduates to make payments 17 days after their degrees are conferred which is less than the company 's billing cycle. I wonder how many other students Discover may have put in a similar situation-who then felt they had no choice but to default? I appreciate any assistance in this matter and look forward to your reply. XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

San Antonio, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Briaroaks, TX

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Eatonville, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Closed with explanation

Disputed: No Timely Response