DISCOVER BANK

2016-08-05

Palmerton, PA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 1. I was never notified about a change in payment terms. 2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 4. The site itself never stated how much I needed to pay to bring my account current.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-05

Berkeley, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Clarkston, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Hillcrest, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Albany, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Carmel, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Oxford, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: My wife called Discover Financial Services* to inquire about how our recently turned XXXX year old child who just graduated from high school could possibly be targeted for loan and credit card solicitations. My child never has, is not now, nor does she have any plans to be employed for the next four ( 4 ) years as she will be going to college full time these next four ( 4 ) years. We were fascinated by these multiple solicitations and excited by the solicitations and of the potential for entering negotiations for a 0 % loan, payable under our terms and conditions. In our multiple conversations ( they have been recorded by Discover Financial Services** ) we have informed this predatory lender, Discover Financial Services* , that in my and my wife 's marriage of just short of XXXX XXXX ( XXXX ) years and our lives together ( we are XXXX in our XXXX 's ) other than a mortgage ( for income tax purposes ) we have NEVER, that 's NEVER, applied for a loan... NEVER. So, we are calling to " learn '' more based on their solicitations. We explained that we wanted to " learn '' from Discover Financial Services* how an XXXX XXXX XXXX XXXX year old as described above could get a loan. As it turns out, my wife and daughter were preyed upon by these predatory lenders to get our family to unilaterally agree to an application both online and via voice calls as the only way we can get information about their products. Not true as we have now discovered the hard way. There was never any intent by Discover Financial Services* to give my daughter a loan. And we were never going to allow the loan unless they were under our terms and conditions, not Discover Financial Services* terms and conditions. It is, as we found out after this horrible experience and as the CFPB probably knows, too, that there is no way, absolutely no way, Discover Financial Services* ever intended to loan an XXXX XXXX XXXX as described above any money without getting into the pockets ( credit ) of their parents. We have now discovered what Discover Financial Services* knew and harbored that information all along and in advance of coercing my wife and child into entering a loan application process. We know, unfortunately, now what a predatory lender is... it is Discover Financial Services*. Besides negatively marking up my daughter 's credit history, it has left her and our family with a very dirty feeling and feelings of being abused under the cloak of " federally required '' disclaimers. The term " federal '' providing comfort, but having worked 'against ' us. Once again, my family has never, NEVER applied for a loan before. I have asked that Discover Financial Services* remove the hard inquiry off my child 's credit history, but they continue to verbally paraphrase various recordings that we have no choice but to deny exist since they will not allow us to mutually hear those recordings... without a subpoena, a very suspicious claim as I am sure you will agree. Please open and maintain a complaint on our behalf against XXXX XXXX and XXXX XXXX the originators of the predatory script and coercive practices of Discover Financial Services*. As you can see, both parade their biographies online, yet when we attempt to follow up with them on their respective biographies and pitches / solicitations, they hide behind low level employees such as XXXX XXXX who are unaffiliated with their original solicitations. These employees simply make aggressive claims such as we ( Discover Financial Services* ) do not have to share the recordings unless I secure a subpoena and I must therefore accept their interpretation of the recordings and not our mitigation ( s ) of the recording. These employees are actually in full-time staff jobs to block access to the pitch men. For example, we have wasted multiple telephone calls explaining the same details
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-04

Reno, NV

APR or interest rate

Credit card:

Complaint: I have set up for automatic payments with discover card. They have only withdrawn the amount due on the XXXX instead of the XXXX. ( I have called them many times to correct this and finally today they have properly correct it ). As a result since at least 2009, I have been charged numerous late fees as well as penalty APRS of up to 27 % as a result. Ive asked them to correct the penalty aprs as well as late fees incorrectly charged and they said its too long ago and they can not correct it!!
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-03

West Salisbury, VT

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

2016-08-03

Clinton, MD

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

2016-08-03

Baldwin Park, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Federal Way, WA

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Complaint: During the application process Discover gave the option to add a cosigner to my application. In my attempts to do so ( because it would n't let me ) I did what any reasonable prudent person would do and followed the prompt to the next screen thinking that it would give the option to add my cosigner there ( like every other student loan site ). However, the application came back immediately denied with no option to add a cosigner. In my attempts to fix this by contacting support discover admitted it was there mistake and said they would offer no solution in fixing it until I receive a letter two weeks from today. This was misleading and fraud in the way that it was advertised and no prompts on the website explained the cosigner aspect.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-03

Arbutus, MD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

San Gabriel, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, Discover and XXXX XXXX, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, XXXX XXXX sent an affidavit to be notarized. These are stall tactics that XXXX XXXX is using to continue to leave this fraudulent account open in my name. Both Discover and XXXX XXXX are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-03

Milan, IL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-03

Bakersfield, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-03

Flushing, NY

Other

Credit card:

Complaint: I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Landfall Village, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received a letter from Discover today advising me someone attempt to apply for a credit card in my name.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

San Diego, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

N Andover, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Saint Paul, MN

Other

Credit card:

Complaint: On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-02

Landfall Village, MN

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Dallas, TX

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-01

Casper, WY

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response