DISCOVER BANK

2016-06-04

Edison, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-04

Mill Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Discover issued a card to someone else in my name, they are responsible for allowing the identity theft by not confirming the person was me. I have spent many hours fixing the problem they are responsible for.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Stamford, CT

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Emeryville, CA

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-03

Staten Island, NY

Billing disputes

Credit card:

Complaint: Discover is reporting an authorized user on my account that needs to come off my credit report. Account number XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Cambria, VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

NE

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Princeton, NJ

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-02

Denver, CO

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-02

PA

Other

Credit card:

Complaint: I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. Thank you
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-02

El Portal, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-02

Discovery Bay, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-01

Bowie, MD

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-01

TX

Forbearance / Workout plans

Credit card:

Complaint: On XXXX XXXX 2015 I went on XXXX from my job due to XXXX and I was being Harassed at work for my illness. Immediality I contacted my creditors asking to activate my XXXX. I was told they had no record of my ever having this program. I insisted I did. However, I asked for assistance and Discover Bank refused to work any kind of assistance with me. I informed them I was going to be on XXXX income and there was not any money. Unfortunately, they refused to offer any assistance. After I went on XXXX income and I began processing my XXXX with the Social Security office they considered to Harass for payments. I continued to ask for deferment since my XXXX insurance was canceled with the company. During this time I was starting to fall behind on my payments. They insisted I had to pay my back-payments and apologized for any inconvenienced. I went on line to my account and tried to make a partial payment and it was rejected. At that time I stopped paying any payments and gave up. Shortly afterwards I went into a XXXX due to my XXXX and the inability of working anything with Discover Bank. I almost lost my house last year, I would like to continue to make payments I can afford without causing any more problems to my home and family. They have currently hired A Law firm without contacting me to my knowledge. the firm is XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, NY XXXX ; XXXX. This firm have SUMMONED ME TO ANSWER A COMPLAINT through XXXX XXXX Clerk. I have not received any phone calls, nor did I receive any mail to my knowledge prior to this.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-01

VA

Customer service / Customer relations

Credit card:

Complaint: For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-31

Albany, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-31

Fridley, MN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-31

Palmerton, PA

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-31

Damascus, PA

Credit determination

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-31

Delray Beach, FL

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-30

Seattle, WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-30

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-05-29

Allenwood, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-28

Briar Park, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-27

Cannon Afb, NM

Customer service / Customer relations

Credit card:

Complaint: I have a Discover card account. The bill for this account was allegedly due on XXXX XXXX, 2016. On XXXX XXXX, 2016 between approximately XXXX and XXXX ( MDT ) I received 7 phone calls, one immediately following the other from a Discover representative. I called Discover at approximately XXXX to determine why they had called me multiple times in a row. The representative proceeded to inform me that I had allegedly missed a payment for which I do not recall receiving a bill, and that they were " concerned ''. She then explained to me that Discover has an automated dialing system that initiates these repetitive calls. She then " reassured '' me that the calls would stop if I made a payment over the phone. To my knowledge, this behavior was a blatant violation of the Congressional Act concerning fair practice in debt collection. Additionally, it constitutes harassment under most state criminal codes. Finally, I believe the statement that the continued, automated, repeat phone calls would stop only if I made a payment at that time is grounds for blackmail. Discover Card is a huge, multi-national lending corporation with plenty of regulatory compliance staff at its disposal. Therefore, their behavior was in willful and intentional disregard for the laws established by our federal and state governments. I hope with this information, you can find them accountable for this blatant flouting of the law in order to protect other financial consumers. Obviously, litigation is often not the most effective way to solve problems ; however, if you were to require standing for a cause of action, I was on the phone with them for approximately 30 minutes and my time and skills are worth at least $ XXXX/ hour on the private market. Thank you!
Company Response: Closed with explanation

Disputed: No Timely Response