DISCOVER BANK

2016-08-24

Ellenwood, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Rocky Ridge, MD

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Lake Havasu City, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Harrisburg, PA

Billing statement

Credit card:

Complaint: I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

N Andover, MA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Brooklyn, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Seattle, WA

Privacy

Credit card:

Complaint: On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. Sent from my XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Boston, MA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Hot Springs, AR

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Brooksville, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Finley, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Milford, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Hoberg, MO

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Finley, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Hackett, AR

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Woodland, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Methuen, MA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-23

Columbus, MS

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-08-22

Danbury, NH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Burlingame, CA

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-22

Patterson, MD

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Already submitted case # XXXX. This is an update to report further harassment. Today, XXXX/XXXX/16 at XXXX, I was again harassed to pay a late payment in error. Payment was withdrawn from my account by Discover nearly a week ago.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-21

Taft, OH

Advertising and marketing

Credit card:

Complaint: On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-21

IL

Rewards

Credit card:

Complaint: Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 4. No way I could know if I would have double cashback in 60 days. 5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-21

Albion, NY

Cash advance

Credit card:

Complaint: Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? Why is it so difficult for corporate America to do the right thing. Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. Would n't you use all of your corporate knowledge and assets to find the truth? It 's data. It 's stored. It 's in your possession not mine. Thank you for your consideration.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-21

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response