DISCOVER BANK

2016-10-07

Sebring, FL

Bankruptcy

Credit card:

Complaint: My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Adelaide, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-06

Richland, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2016-10-06

Charlotte, NC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Lynchburg, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Newnan, GA

Credit card protection / Debt protection

Credit card:

Complaint: Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Niverville, NY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Dallas, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-05

Ashville, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Spring Hill, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-05

Ogema, MN

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-05

Magnolia, TX

Closing/Cancelling account

Credit card:

Complaint: On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-04

Alpharetta, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-04

Santa Clara, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Bronx, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Stamford, CT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Burlingame, CA

Closing/Cancelling account

Credit card:

Complaint: I have been a customer of Discover bank for almost 7 years and I have always been following their rules and made prompt payments. ( My credit score is excellent. ) Last month they sent me a short notice saying that my account will be closed, effective immediately. This was highly unanticipated since I never did anything wrong and it will greatly affect my credit history.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-04

NJ

Delinquent account

Credit card:

Complaint: Discover placed an Authorize Hard Inquiry on my XXXX report, I 've contacted them over and over. They sent me a letter saying it was there mistake and that they will remove it, but still have not done it after months and months if not over a year of me asking them and XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

IN

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 3. refusing to communicate with me via method most convenient for me ( email ). 4. failing to notify me that any information is used for purposes of collecting a debt. 5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 6. harassing me and threatening illegal collections practices. 7. harassing me calling me at times over 50 times a day. XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Colts Neck, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Vancouver, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Stockbridge, GA

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: Yes Timely Response

2016-10-03

Dunnellon, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Indianapolis, IN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Saint Paul, MN

Billing statement

Credit card:

Complaint: Discover continues to state my balance incorrectly. Please see attachment. A last statement balance of {$310.00} plus the transactions of {$15.00} is {$320.00}. Discover is saying my current balance is {$460.00}. They are trying to get me to pay an additional {$130.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response