DISCOVER BANK

2016-08-30

Ankeny, IA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-29

Bannockburn, IL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Leeton, UT

Payoff process

Credit card:

Complaint: I paid off my entire balance of discover card that was stated in my last billing statement. My balance was over {$3000.00}. I made small payments on time for over 8 years until finally I was able to pay off the entire balance. Once the balance was paid off, I stopped recieving statements. I assumed this was normal since I paid the entire balance off. However, I recently checked my credit and it went from XXXX to XXXX. Upon investigation I found that Discover card had reported I had missed 4 payments and was delinquent. This troubled me as I was under the impression my entire balance was paid off. Discover card told me that I had {$45.00} dollars in interest remaining. When I asked why they did not send me a statement or call me notifying me after the first missed payment or telling me I still had a balance, they said my statements had been returned. However, I have not moved in over 5 years and my number is the same number they had, I even asked the representative to verify it for me. Prior to this issue, none of my statements had been returned. I was receiving them monthly. In fact, this is how I knew how much to pay off. Of course I would have paid the {$45.00} remaining interest had I known. I have never missed a payment, and was working hard to get out of debt. But unbeknowest to me, I still had a balance. I asked discover if they can fix this with the credit bureau, however they said it is too late because it is already reported. I feel this is extremely unfair. They can not report missed payments when they did not send any statements notifying me of balance for 4 months. I was under the impression the credit card was paid off and because I did not receive any statements, I had no reason to believe otherwise. Furthermore, they did not call or notify me once I missed one payment and y address and hone number has been the same for 5 years. I have been a loyal customer for over 8 years and feel this was dishonest and unfair.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-29

Lancaster, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was a victim of Identity Theft. Someone opened a Discover Card using my personal information ( probably a family member ). This is showing on my credit report and ruining my credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

Jamestown, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-29

Jupiter, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Leming, TX

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Wallington, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Oakland, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Buck, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

MA

Billing disputes

Credit card:

Complaint: I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. Thank you, and keep up the great work!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Houston, TX

Credit card protection / Debt protection

Credit card:

Complaint: I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Arnold, PA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Okc, OK

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: It comes up Discover Finance ... ... I do not own a XXXX card, never have.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Hi Vista, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Fenton, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Bellaire, TX

Other

Credit card:

Complaint: I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

La Pine, OR

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-25

Roxbury, NY

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Plattekill, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My complaint is against Discover Card. Fraudulent charges appeared on my account, and were then credited. Discover operatives stated they were indeed fraud, and I would not be responsible. After lengthy oral and written communication, the balance was respectively brought to XXXX/ {$6.00} cents. Subsequently, The false charges were added back with an increase amount. Representatives of the company were abusive, hostile, and in violation of the fair credit billing and fair credit reporting act respectively. They were sent the requested information but still remain uncompliant and stated they will ruin my credit if false charges are not paid. I 'm deeply disturbed, as a previously valued customer there was very mutual respect. The account was always used properly, responsively, and promptly paid. I respectfully ask your assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Mountain View, OK

Billing disputes

Credit card:

Complaint: I received at unverified email from Discover concerning a past due amount on my account of approximately {$37.00}. I 've never had a missed payment with Discover, so immediately called the number on the email. The next 20 minute were the most invasive, pressure filled customer service encounter I 've ever experienced. The operator proceeded to tell me that I had only paid {$30.00} of a {$67.00} bill and I had been accessed a late fee of {$27.00} and interest penalty ; however, if I authorized her to get into my XXXX XXXX XXXX checking account she could take my money. In shock about her knowing my bank account number and threatening to access the account, I explained that I was driving and preferred to wait until I returned home to review my statement, payment history, and to make sure this was n't a scam. Immediately, the representative asked why I would doubt she was legit, because I called her? She stated that unless I gave her permission to access my XXXX XXXX XXXX account or made an phone payment, I would be penalized. Again, I explained I did n't feel comfortable giving her access to my banking account. At this point, I felt very uncomfortable and bullied. Remember ... I 've never missed a payment. Why was I being bullied by a collector for a {$37.00} payment 10 days past due? She then insisted on taking my cash rewards of {$38.00}. When I refused she again applied undo pressure. I refused all of her offers and her tone changed from aggressive to anger. I let the call with, I 'll contact customer service when I get home. I made a mistake on the payment and immediately called the number listed on my statement. The represenrative seemed to be sympathetic to my situation at first, but then immediately went into collection mode with the same barrage of questions, including having access to my checking account. She used my rewards to bring the account current but refused to reverse any charges because I would n't pay next months bill in advance. She asked me a lot of questions almost like an interrogation. At this point, I had had it ; refused to answer any more questions and explains that I had taken all I was going to take in one day. It was the most brutal customer service experience I can ever remember encountering. I am a XXXX. In my 21 years in this position and XXXX I do n't know that I have ever experienced anything like my two experiences today with Discover Card. As a long time loyal customer, I will sever ties with Discover Card, and will communicate with the CEO my incredible experience.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Vinton, VA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Key Biscayne, FL

Advertising and marketing

Credit card:

Complaint: Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Metairie, LA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response