DISCOVER BANK

2016-07-05

Ankeny, IA

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-07-05

Detroit, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Found a Hard Inquiry Entry on my consumer credit report for a Discover Personal Loan dates XXXX XXXX 2016. I have not record of requesting either written or verbal for Discover Personal Loan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-04

Rochester, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-04

San Jose, CA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-04

Fort Worth, TX

Billing disputes

Credit card:

Complaint: My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-03

Peoria, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-03

Fitchburg, WI

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-02

Masonville, NJ

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-02

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-01

Ardmore, OK

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-01

MA

APR or interest rate

Credit card:

Complaint: I have XXXX 0 % promotional loans on my Discover Card with differing amounts and end dates to promotion period. I want to pay them off and avoid the 20 % interest after promotion period. When I could not find the loan amounts and promo period dates on their website or my statements, I sent an email. As you can see from the attached message string, Discover refuses (! ) to provide me with this information. I find this hard to believe its even legal. Please help.And thank you for the great work you do!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-01

Edgewood, FL

Late fee

Credit card:

Complaint: I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. I want these transaction removed from my history and XXXX to get their hands slapped.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Okc, OK

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Okeechobee, 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

2016-06-30

Allenwood, NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Rncho Domingz, 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

2016-06-30

Port Chester, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Santa Monica, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Ft Lauderdale, FL

Credit card protection / Debt protection

Credit card:

Complaint: I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

Lowell, AR

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-30

NJ

Credit line increase/decrease

Credit card:

Complaint: At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. I previously contacted Discover about this but they seem to be ignoring me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-29

Laurel, DE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-29

Houston, TX

Overlimit fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-29

Hillsdale, NJ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-06-29

Rncho Domingz, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.
Company Response: Closed with explanation

Disputed: No Timely Response