DISCOVER BANK

2016-04-08

Huntsville, AL

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2016-04-08

Lancaster, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-08

Pardeesville, PA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-08

Providence, RI

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-08

Sandy Hook, CT

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2016-04-08

Syracuse, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-08

Fort Myers, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-08

Tysons, VA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-08

Fresno, CA

Billing disputes

Credit card:

Complaint: I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-08

Bohemia, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-08

Cartersville, SC

Cash advance

Credit card:

Complaint: I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-07

Walnut Creek, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-07

Leon Valley, TX

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-07

Moran, KS

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-07

Moapa, NV

Advertising and marketing

Credit card:

Complaint: I would like CFPB to continue pursuing the case ( Case number XXXX ) on my behalf with Discover. Thank you!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Moapa, NV

Advertising and marketing

Credit card:

Complaint: Hi, I have a case number with CFPB ( Case number : XXXX ). I would like CFPB to continue pursuing this case on my behalf to get a successful resolution from Discover. Thank you!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Philadelphia, PA

Rewards

Credit card:

Complaint: Purchased items using both a Discover It and Discover Miles credit card using Apple Pay for the 10 % promotion XX/XX/XXXX-XX/XX/2014. The purchases were flagged as ineligible for the 10 % promotion since they were gift card purchases. Was asked to submit receipts for purchases to prove that they were not gift cards. The receipts were long gone by the time they had sent the e-mails. No other recourse other than to dispute or file complaint.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

Moapa, NV

Advertising and marketing

Credit card:

Complaint: I would like CFPB to continue pursuing my existing case ( Case # XXXX ) with Discover. Thank you!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-07

South Florida, FL

Forbearance / Workout plans

Credit card:

Complaint: In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Indiana, PA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

York, PA

Delinquent account

Credit card:

Complaint: Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

Swiftwater, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Pulaski, MS

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Austin, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-05

NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Company Response: Closed with explanation

Disputed: Yes Timely Response