DISCOVER BANK

2016-03-03

Corona, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-03

Okc, OK

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-03-03

Fort Worth, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Through out the month of XXXX I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of {$50.00} to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could go ahead and credit my account and have everything corrected. I was emailed back by a representative at XXXX central time informing that they would not remove the hold on certified funds. Discover went ahead and returned XXXX ACH payments and XXXX draft payment because their was a negative balance. At the same time they had also place a hold on ACH deposits of {$250.00} the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance {$98.00}. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Lilydale, MN

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-03

Pikeville, NC

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

South Chatham, MA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

San Diego, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Roy, UT

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-01

Wilmington, DE

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-01

Pacific Palisades, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

E Brunswick, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

Main Office, VA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-29

PA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

Gloucester City, NJ

Billing statement

Credit card:

Complaint: I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

Bremen, GA

Billing disputes

Credit card:

Complaint: I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-28

Winnsboro, LA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-27

Berthoud, CO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I signed up for a Discover credit card last year, and shortly after received an offer in the mail for a {$300.00} checking promotion ( please note that this came to me at my address and no one else has lived here in over seven years ). I filled out the application XX/XX/XXXX, was granted the account, and fulfilled all other terms required to meet the promotion. I realized that I never received the promotional money while filling out taxes this year and contacted Discover, only to hear that I was n't eligible for the promotion because I was n't 'targeted. ' No one can explain why I got a letter when I was n't one of these targeted people, not to mention that getting a credit card is a pretty obvious trigger for targeting for other business. At this point I ca n't produce the original letter since I clean my house more than once every four months and ( clearly stupidly ) assumed that a company which claims to be ranked very high in customer satisfaction would actually meet their commitments so I did n't scan everything, but at the very least the information needs to be out that that Discover is sending promotions to potential customers and then declaring them ineligible even after the customers fulfill their side of the deal.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-27

Cumming, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-27

Ocklawaha, FL

Billing statement

Credit card:

Complaint: My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. these are the amounts from statement. XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. If you want I can e-mail the.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-27

N Haven, CT

Credit line increase/decrease

Credit card:

Complaint: I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-27

Leeton, UT

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-27

Harrisburg, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-26

Champaign, IL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response