DISCOVER BANK

2019-08-29

Mabank, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-29

Atascadero, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Discovery Bay, CA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: signed up for promotion, deposited amount required within time limit through depositing checks, and they didn't explain to me I could ACH or how to even do that, when I called in multiple times for the promotion credit.
Company Response: Closed with explanation

Timely Response

2019-08-28

Mobile, AL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-08-28

Jackson, NJ

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-28

Cincinnati, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-08-28

TN

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.
Company Response: Closed with explanation

Timely Response

2019-08-28

Meridale, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Corpus Christi, TX

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-08-28

Dunnellon, FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Rochdale, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: hi im XXXX XXXX discover charge me unnecessary fee on my credit card i try to make a payment the payment was successful after they charge me unknown fee now i need to take a loan i cant because they make bad report on my credit i need help soon as possible my number is XXXX
Company Response: Closed with explanation

Timely Response

2019-08-28

Lexington, KY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.
Company Response: Closed with explanation

Timely Response

2019-08-27

New Rochelle, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Van Nuys, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! This matter will be fought tooth and nail, even if I have to bring the matter to court!
Company Response: Closed with explanation

Timely Response

2019-08-27

Tucson, AZ

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-08-27

Marianna, FL

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-08-27

Queens, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Eastchester, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-08-27

MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: Account was compromised. Contacted financial institution to close account and issue a new Account number. Financial institution authorized payment on new account without consent for recurring billing setup with old account number that was no longer active. Financial institution claims they are required by law to authorize payment for recurring billing even though the account record on file is different?
Company Response: Closed with explanation

Timely Response

2019-08-27

Briarwood, ND

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-08-27

New Rochelle, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Anaheim, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also
Company Response: Closed with explanation

Timely Response

2019-08-27

Rehoboth Bch, DE

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I receive over 60 calls per day at all hour from Discover Card collections. Even after being told I am filing bankruptcy, they continue excessively. This has reached harassment.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Rock Spring, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-27

Bartlett, TN

Getting a loan

Student loan: Private student loan

Denied loan
Company Response: Closed with explanation

Timely Response