DISCOVER BANK

2016-05-02

Baychester, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

Hallwood, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

N Hollywood, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-02

Long Island City, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Hello, I have had a student loan open with Discover since XX/XX/XXXX. I have been making payments on this loan since I graduated from XXXX in XX/XX/XXXX. Unfortunately, I had a lapse in payments in the middle of last year because Discover was demanding that I pay more that I could afford. I called and set up a payment plan over the phone and have been making payments of {$250.00} for the past 9 months. That said, none of this information has been made available to me by Discover. I can not access any statements online, and Discover has kept no record of my payments there either. When I checked my credit report, I noticed that Discover has claimed that my monthly payment is far lower than it actually is. They claim that I am paying {$110.00} per month when I am in fact paying the aforementioned {$250.00}. This means that I have no idea how my amount owed has been affected, nor am I able to see the status of my loan. Please help! XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-02

Round Rock, TX

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

Leesburg, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-02

Helt, IN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

Lancaster, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-02

Discovery Bay, CA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-01

FL

Closing/Cancelling account

Credit card:

Complaint: I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-05-01

Boise, ID

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-30

Clinton, MS

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-30

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened Discover Online savings account as per the promotion mentioned in XXXX. Everything was done properly and after meeting the terms and conditions ( opening the account by XX/XX/XXXX and depositing $ XXXX before XX/XX/XXXX ) - I was awarded {$100.00} as cash back bonus. At the time of account opening process ( as i had the discover credit card ) - it simply asked me all the information ( userId, password of discover card to login ) so that it can auto fill all my information. Even after that i was given XXXX user id-one for credit card and another one for discover bank account? Why?? It 's not the case with every Discover card member. When i called today during XXXX to XXXX pm - i was told it is due to security reasons ... that was absolutely wrong answer ... are remaining millions of discover customers not secure. My other problem is - i tried to do the transfer of {$15000.00} to my XXXX checking account and that transfer was scheduled also ... but then Discover send me an email that they are suspending my funds transfer facility ... i should call at this # XXXX to reactivate that. I was told that they are 24 X 7 ... when called today during XXXX to XXXX XXXX ... after going all the validation questions ... the customer service person told me that i need to call tomorrow as the team which is suppose to talk to me is gone for the day?? why discover is lying here ... why they are saying 24 x 7 when they are not? i asked them to call me when they can ... later i asked them to close the account and send me the money into my account by check at my registered mailing address ... .she refused for that also ... telling that unless that team will talk to me ... they ca n't close the account either ... this is unacceptable ... neither they are providing good service nor they are letting me have access to my own money in the name of security and other useless reasons.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-04-30

Montclair, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-29

Ocklawaha, FL

Closing/Cancelling account

Credit card:

Complaint: I am writing in regard to Discover Financial Services. XXXX XXXX I made a final payment to this credit card due to loss of personal solvency. XXXX XXXX I received notice Discover was writing off this debt as uncollectable. Tax year XXXX I received a XXXX for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year XXXX. As a result of this reported charge off in the incorrect tax year, I have wrongly due {$900.00} to the IRS. I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the XXXX to reflect the correct IRS reporting year of XXXX. Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-29

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-29

San Gabriel, CA

Closing/Cancelling account

Credit card:

Complaint: Summary : Discover Card closes account on first-class, long-term customer with excellent FICO score, for simply having " inactivity '' on account. I have had my Discover Card in question since 1995 ( 21 years ). I not only have an excellent history directly with Discover, but also have a very high FICO score which recently ranges from XXXX to XXXX ( with XXXX max ). On or about XXXX XXXX, I received a letter from Discover informing me that my account was suspended and would be closed within 30 days. The letter states that the closure was due to " Inactivity on your account. '' I then tried to use my credit card for a purchase, but the card was denied in the system, per the merchant. On XXXX XXXX and on XXXX XXXX, I spoke to a Supervisor using the card 's normal customer service phone number ; neither could assist to re-instate the card. Through online research conducted on my own, I found that Discover had a department called the " Executive Office of Customer Advocacy. '' I thought this dept would handle my concern in a more " independent '' manner, but I was mistaken. My assigned rep in this dept was XXXX XXXX. I explained to XXXX XXXX, that I thought I was being treated in an unjust manner as a long-term customer of Discover. For someone to have their account closed without any recourse, for simply not having any recent activity seemed unfair and silly. This has happened before, with other credit cards I own, and with all other credit card companies they have immediately allowed the card to be re-instated. One of my major concerns is that Discover 's action to close my account actually hurts my excellent credit score/history. This was not only explained in detail to the two supervisors that I had conversation with, but also with XXXX XXXX. By closing my account with 21 active years, this hurts the " length of credit history '' aspect of my credit score. Also, by closing my account with a credit limit of {$12000.00} this also hurts my credit score ; because a person 's total amount owed ( on all accounts ) is compared to your overall credit limits on hand. The two supervisors and XXXX XXXX, danced around this issue, and said they could not answer to this concern because they were not a " credit analyst. '' This is very basic credit/FICO information, and knowledge that anyone in their ( elevated ) positions should understand. ( The irony is that Discover 's widely advertised free ability to show MY credit score on my statement, will now reflect a lower credit score, due to them. ) XXXX XXXX promised to call me back within a short period of time. She never did. In my initial call with her, I explicitly informed her that it was OK to leave a voice mail. After about 13 days or so, I called her and she said that she had attempted to call me. I do not believe she was being honest with me. She then told me over the phone that Discover could not re-instate my account, and that she also sent me a letter stating the same. I had various questions for XXXX XXXX, but instead she gave me vague answers. Most of her responses had little to no connection to the actual questions I was asking. Instead of talking to me as a human being, she danced around the entire topic and conducted herself more like a high-class lawyer. This was a huge disappointment to me. In conclusion, I am just shocked that Discover Card would treat a customer in this fashion. There is nothing " negative '' that I have done wrong. Actually, in my opinion, I would describe the way I have conducted my financial affairs throughout my entire life as near-perfect. I have always treated my credit history and score in a very serious manner. Most credit card companies desire to find and hold customers with excellent credit, but instead Discover rejects individuals like me. For Discover to hurt me and others for simple " inactivity on account '' seems to be not only unfair, but unethical and unprofessional.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-29

Bucksport, SC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Fountainville, PA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-28

Madison, WI

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-27

Columbus, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-27

Arvada, CO

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-27

Plymouth, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-27

CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-26

Clayton, MO

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.
Company Response: Closed with explanation

Disputed: Yes Timely Response