DISCOVER BANK

2016-04-05

Arsenal, PA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

Deerfield Beach, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-05

Dover, DE

Customer service / Customer relations

Credit card:

Complaint: Account number ending in : XXXX Important information about your account ... Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-05

SC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Berkeley, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-04

Norco, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-04

Stkn, CA

Other

Credit card:

Complaint: On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-04

Garrett Park, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-03

Taft, OH

APR or interest rate

Credit card:

Complaint: My husband has had our Discover card for 21 years and has an exceptional XXXX of XXXX years is being charged a 17.24 % APR.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-01

Houston, TX

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Brooklyn, NY

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-01

Staten Island, NY

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-01

La Grange Park, IL

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-01

Lake Lincolnd, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-01

Duxbury, MA

Billing statement

Credit card:

Complaint: We have a credit card with Discover. We make our minimum payments on time and as a way to pay down our balance sooner, we have been making extra payments. Typically these extra payments were being made on a weekly to bi-weekly basis. The amounts of these extra payments were anywhere from {$5.00} - {$50.00}. We made a payment of {$350.00} recently. That amount covered what I used to purchase things plus extra. Upon checking my account, I noticed that our balance had increased instead of decreasing, so I called. I was told that according to my user agreement, Discover confiscates extra payments and applies them to the minimum balance of the following month due to how 'our billing cycle ' is set up. I called again, got the same answer. I emailed them, and again, they insist that they are going to confiscate these extra payments unless they are paid before the XXXX of each month. Today ( XXXX XXXX ) I called the exec office of Discover. The first person I spoke with hung up on me and the second person gave me the same story about how we agreed to all of this and it has always been that way. Since I do not have a copy of the 2011 Discover user agreement, I ca n't honestly say whether it has 'always been this way ' or not. Basically what Discover is saying is that none of their card holders can be trusted to pay their bills even if Discover has not justifiable reason for treating their customers this way including us. I have read all of Discover 's disclosure pages posted here as well their website and even checked the Federal Reserve 's disclosure page. None of these pages explain this confiscation policy that Discover talks about. If this what users are agreeing to, why is this not posted on their website? People should know how ( or in this case IF ) their money is being applied to their balance. right? In order to make these extra payments work as intended, a customer has to XXXX of XXXX things. A ) Pay the extra within the window that it wo n't be confiscated or B ) Pay extra on their minimum payment. Option A pays down balance. Option B may or may not pay down a balance depending on how much is paid. The only way to decrease the balance with Option B would be to pay the minimum plus the interest, plus whatever the extra would be. Since Discover is so concerned with minimum payments being made, one would be lead to believe that they would appreciate any extra money that was sent their way. That seems not to be the case. Instead, if a card holder does not know about this confiscation policy, they make not progress paying off their balance if they make the minimum payment with no extra. Sounds like a good money making deal for Discover if I 've ever heard one. I have a copy of the Discover user agreement being sent to me. According to their website it will take XXXX30 days to get here. Not that it matters at this point as now I know what the game is. Pay extra in the 5 day window along with the regular minimum payment plus interest. I do n't expect anything to become of this complaint, but I do think Discover customers who do pay their bills and send extra payments should know what they are getting into. As mentioned previously, since Discover feels that strongly about this policy, it should be posted in all of their disclosure pages and on their page that explains how payments are applied which includes the extra ones. If they do n't want to post it there, it should be printed on billing statements as there is no mention of this policy there either. All it mentions is paying down higher interest rate balances first. No mention of confiscation of extra payments..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-01

Bedford, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-31

Bradenton, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Scottsdale, AZ

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-31

Brenham, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Kenner, LA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Anacortes, WA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Saint Augustine, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-30

Holmes Center, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-30

Euclid, OH

Balance transfer

Credit card:

Complaint: I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. This is vital information that is important to know. This information should be on statements.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

Fort Russell, IL

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response