DISCOVER BANK

2016-06-22

East Rockaway, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-22

Tyrone, NM

Rewards

Credit card:

Complaint: I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

Lafayette, CA

Transaction issue

Credit card:

Complaint: On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-21

Archer, WY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-21

Lafayette, LA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Louisville, KY

Payoff process

Credit card:

Complaint: The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Bohemia, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hello, This complaint is about Discover Card and the way they handled my fraud investigation. I felt like I was treated like a criminal, when in truth I was the victim. In XX/XX/XXXX I had several fraudulent transactions on my Discover Card. I called into Discover with my financial advisor to address them and during the phone call I was disconnected. From what I know now they never addressed the claim because upon going over my books I saw that the charge was still there. So I called into Discover just recently to initiate a claim again so that they could address the charges and help me get my money back, what happened after that was just horrible. This started in the beginning of XXXX XXXX, initially I called into Discover to mark the charges as fraud and they said fine, everything would be ok and it may take some time to get the credit issued and the investigation done, but they would take care of it. About two weeks passed and nothing. So I called back with my financial advisor and they told me that the investigation was still pending but I could speak to a supervisor on the account. The young man that I talked to, XXXX, was just a horror. He made me feel almost criminal. He kept asking me " Ma'am Are you sure you do n't remember making these charges?! '' Like almost as if I had done something wrong by saying I did n't authorize the charges. I told him no that I did n't, and eventually he said that ok, the investigation would continue. When I got off the phone I was so shaken up that I wanted to cry. I kept trying to think of what I could have possibly done wrong for someone to speak to me like that. I mean it was almost like a movie scene where the police are interrogating a suspect. I almost ca n't describe the feeling. At that point I felt defeated. I told my financial advisor, who had been helping me through this that I never wanted to talk to those people again. He advised me that I was the one who got taken advantage of and that he did n't think the guy was taking out on me, just being overzealous about his job. I still felt absolutely horrible. Anyway, I did n't hear from them for some time so I called back in with my financial advisor on XXXX/XXXX/XXXX and they told me the investigation could take up to 90 days, although the next day I saw the credit on my account. However on XX/XX/XXXX I got a call from a XXXX who said she was a fraud Supervisor in the XXXX XXXX office of Discover card. We played phone tag for most of that day because I did n't want to talk to these people without my financial advisor on the line. They called so many times that day, at one point I said I feel like these people are harassing me. Once we finally talked to XXXX she said that my claim had been denied on the grounds that I had initiated the claim in XXXX and never followed through with it. I told her that that is the reason why I am calling, and the fact that I did n't get back to you is not because I finally figured out that I approved the transaction, I have a life. That does n't mean I gave these people my authorization to charge my card. Also, the fact that I only gave them the XXXX charge and upon further review of my books I actually saw another transaction that was not authorized and they denied both on the same grounds. My financial advisor mentioned something about them having to produce some kind of invoice or documents that I gave my authorization for the transaction, but they did not give me any of this. XXXX said she had done a google search and found one of these places on a fraud website!!! At that point I was flabbergasted. She had seen these people on a fraud website but want to hold me accountable for them? I just did n't know what to say. I still do n't understand why they did this to me. They say they have {$0.00} fraud liability, but held me liable for every single dollar. Please help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-21

Greenwood, CA

Credit determination

Credit card:

Complaint: XX/XX/XXXX, I received a statement from Discover Card stating my charges for the prior month. Included on that statement was an erroneous charge. I reported this to Discover and was told that they would remove the charge but also had to cancel my card so the number could no longer be used. They also said they would issue me a new card. They removed the erroneous charge and canceled my old credit card number and I sent them my credit card, cut in two. but they never issued me a new card. Later when I told them I 'd never received the new card, they said I 'd have to re-apply for a new card. After much haggling, I finally tried to apply for a new card. But they rejected my application saying they could n't verify my credit. I found that that was because when they canceled my credit card, I no longer had any credit. my credit history consists of only several closed accounts so my credit score dropped from XXXX to XXXX. So Discover wo n't issue me a card because " they '' canceled my prior card. Now I have no way of obtaining credit even though I 've have perfect credit for the entire time I 've had a credit card beginning in XX/XX/XXXX, 29 years. I do have a Debit/Credit card from my bank the XXXX XXXX, but I 'm led to believe that that credit is only valid through that bank and is not reported to the national credit reporting agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

W Sacramento, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

San Jacinto, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Williamston, MI

Credit line increase/decrease

Credit card:

Complaint: On XXXX XXXX, 2016, I requested a credit line increase and I was approved for a {$1000.00} increase bringing my card limit to {$1500.00}. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of {$1500.00} in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of XXXX. I reached out on XXXX XXXX, 2016 to see if the credit card limit could be reevaluated and I was told that I would need to call their Card Portfolio service. I called them and they indicated that since the request was yesterday, they could not do anything. Nonetheless, the representative indicated that I could apply anytime for a credit line increase. After getting off the phone, I requested another increase via the online system. I was told that it would take 2 days to review my request. I initiated an online chat with Discover and had asked if there was any credit line increase time limits, such as a certain amount of days after receiving a request. The online agent indicated that Discover does not have any such limits. That agent recommended I call back the Credit Portfolio department. I called them back and the representative indicated that the application for a credit card increase was denied because of the short credit line history ( the same credit line increase that I wanted to be reevaluated ). She also said that a credit line increase request would be granted within 30 days of a prior increase, which was contradictory to what the online agent had indicated. I asked to speak with a supervisor. I was transferred to XXXX who was very condescending and indicated that the regulations of the industry ensured fair treatment. Consequently, he argued that an exception to the day of the request for a reevaluation could not be granted because it would not be fair for other customers. I then indicated that it did not seem fair that I had about only a half-hour before the customer service department closed when other people that applied that day would had more time to ask for a reevaluation. He then indicated that I could define fairly however I wanted, even though minutes prior his definition fair was the reason why I could not be granted a credit line increase. As mention before, I have several credit cards with other companies and I have never heard that a credit card regulation prevented a credit card increase reevaluation regardless of the time of the request. I believe XXXX was incorrectly state federal regulations and possibly even fabricating them to explain away an issue. At the end of our conversation, I asked for an employee ID number and XXXX refused to give it to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-20

Archer, WY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-20

Jamesburg, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-20

Bridgeport, CT

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Charleston, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-20

Archer, WY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-20

Kimberlin Heights, TN

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

2016-06-19

NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-18

Smyrna, SC

Billing statement

Credit card:

Complaint: After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Tampa, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Pasadena, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Santa Rsa Bch, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Albany, GA

Rewards

Credit card:

Complaint: Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-17

Indianapolis, IN

Late fee

Credit card:

Complaint: I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. What I want is the late charge reduced and the interest rate lowered.
Company Response: Closed with monetary relief

Disputed: No Timely Response