DISCOVER BANK

2016-08-01

Rockaway Beach, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-01

Kingstree, SC

Billing disputes

Credit card:

Complaint: I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-31

Naperville, IL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-31

Livingston, MT

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Clifton Park, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Clermont, FL

Closing/Cancelling account

Credit card:

Complaint: I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

San Francisco, CA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Scottsdale, AZ

Rewards

Credit card:

Complaint: As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. This is the transcription of the video recording I took during that phone call. XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? Discover : Yes sir, that is correct. XXXX : Okay, great, just confirming one more time, thank you. Discover : You 're welcome sir, have a wonderful evening. END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Orchards, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-30

Saint Paul, MN

Other

Credit card:

Complaint: I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-29

Saratoga Spgs, UT

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Eastchester, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-07-29

Colts Neck, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

San Bernardino, CA

Closing/Cancelling account

Credit card:

Complaint: I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

College Heights Durango, CO

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-29

Central Islip, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

City Industry, 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

2016-07-28

Alts De Cerro Gordo 1&2, PR

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Los Angeles, CA

Problems caused by my funds being low

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Fresno, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

TX

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: This is a follow up to case number XXXX. The company responded with a request for more time to investigate the issue due to the complexity of the nature. My complaint was submitted over six months ago, and I have not yet received any response. The company claimed I had no credit history, though I had a revolving account in good standing established with the company.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Evanston, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-27

Saint Paul, MN

Rewards

Credit card:

Complaint: Discover does not aware the correct bonus rewards. I have a Discover card that has a Cashback Bonus Program Terms and Conditions that reads : " You will earn a full XXXX % Cashback Bonus on your first {$250.00} in combined gas and restaurant purchases ( " G & R Purchases '' ) that are posted to your Account each pilling period. At the end of each billing period, we calculate your Cashback Bonus by multiplying your first {$250.00} in G & R Purchases by XXXX % ( XXXX ) and all other G & R Purchases by up to XXXX % ( XXXX ) ( see " All Other Purchases '' section. " Gas '' purchases are those made at merchant locations where the primary business is the sale of gasoline. " Restaurant '' purchases are those made at merchants classified as full service restaurants, cafes, cafeterias and fast food locations. Purchases coded for category other than those listed above will not qualify. Well, I can look at my last statement and see that Discover is classifying a distinct and well known GAS STATION as a Supermarket so they do n't have to award the required bonus points. The merchant is a XXXX XXXX. If you look at the XXXX page for XXXX the very first line reads, " XXXX XXXX is a chain of gasoline and convenience stores in the United States ''. XXXX is clearly a merchant primarily gas station. I do n't know many people that use a XXXX as Supermarket over a Gas Station. I believe the Discover is trying to trick customers into thinking that they these purchases will qualify for the noted Gas and Restaurant Purchases, but are miss coded and will not award them. They hope customers wo n't catch this so they can reap the benefits from these transactions. Discover has the ability to code certain merchants for bonus programs. For instance, I have another Discover card that is running a rewards promotion that offers " XXXX % Cashback Bonus at Home Improvement Stores & at XXXX on up to {$1500.00} in Purchase ''. So Discover already has the ability to code a merchant ( i.e. XXXX ) to fit into a bonus category. I suggest that Discover add the gas station merchants to their gas station database so the bonus rewards as awarded to customers accordingly. I believe that Discover is purposely not awarding the gas station awards to customers in accordance with the card agreement so they do n't have to pay as much. They were just hoping that customers, like myself, would not noticed that they are not actually awarding the rewards when they make gas purchased. Additionally, I would like my account reviewed and all the past gas station rewards that were not awarded in the past to be added to my account. I am sure that I am missing a great deal of rewards that were not rewarded to be because of this misclassification by Discover. And I am guessing that many other customers have also be cheated on the cashback bonus program by Discover.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-07-26

San Antonio, TX

Unauthorized transactions/trans. issues

Prepaid card: General purpose card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Sarasota, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response