DISCOVER BANK

2016-08-10

Sunnyvale, CA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

New Britain, CT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Lake Mary, FL

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Bethayres, PA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-08-09

Manchester, CT

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-09

Culver Cty, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Sugar Land, TX

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Lafayette, MS

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-08-09

Erwin, TN

Arbitration

Credit card:

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

TX

Credit card protection / Debt protection

Credit card:

Complaint: My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

NY

Billing disputes

Credit card:

Complaint: An Item I purchased but never received and disputed with Discover and Discover closed the account in favor of the Merchant and reported it to the credit agencies, lowering me score, it turns out the merchant was honest and issued a refund which they verified and XXXX verified, XXXX 2015 a refund as issued due to lack of inventory, but on XXXX XXXX 2015, Discover notified me in writing the cased was closed in the Merchant 's favor, but clearly it was not. I believe the XXXX attachments below will help to clarify my concern.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-09

Mount Dora, FL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Blooming Valley, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Patterson, MD

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-08

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Nyc, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. Now am conned out of {$500.00} by the crooks at discover bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Bellaire, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-08-07

Frisco, TX

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-07

Superstition Mtn, AZ

Transaction issue

Credit card:

Complaint: Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-07

Wonder Lake, IL

Balance transfer

Credit card:

Complaint: Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-06

Forest Park, WA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-06

Seattle, WA

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-05

Allamuchy Twp, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-05

Santa Monica, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-05

Weston, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response