DISCOVER BANK

2016-02-03

OH

Forbearance / Workout plans

Credit card:

Complaint: I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: On XXXX/XXXX/XXXX I received a XXXX form from XXXX XXXX XXXX XXXX for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number XXXX XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( Discover XXXX ) and spoke to a XXXX XXXX at XXXX time until XXXX time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over 21 years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX XXXX XXXX ) but it is no longer for a collection company. So my husband called XXXX XXXX back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was 10 years old at the time they brought the account in XXXX since the account was closed by Discover in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over 21 years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, XXXX and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the XXXX and mailed it to us.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-03

Caparra Heights, PR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason, XXXX disputes over the past two years. As if being a victim of fraud was my fault. Second reason, multiple disputes at the same merchant. Which merchant? Is it my concern if fraudsters go to the same establishment? Last " you admitted to setting up a pin number. '' Never did, and last, this is a huge disrespect and great lack of customer service. I have requested my account be closed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

San Francisco, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Rockwell, NC

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Hamburg, NY

APR or interest rate

Credit card:

Complaint: I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-02

Lewisville, TX

APR or interest rate

Credit card:

Complaint: The Discover credit card has been charging us cash advance APR of 24.24 % at a variable rate for years now and it is more than the minmum payment. We have not used the card for years and ca n't seem to pay it off because of this issue. I spoke to their management and was told if we pay more, than amount would go to minmum payment not the balance which would keep us in the vicious circle of the interest rate taking all of the payments. Can you help us ...? we are willing to pay more but want the balance to show signs of going down and the APR to go back to regular APR 13.49 %. Again we have not made any cash advances on this card for years. We have been with them since 1987.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, I opened an account with Discover Bank and a bonus offer code of XXXX. Through this bonus if Discover Bank received an ACH deposit to my account for over XXXX dollars per month I would be eligible for a XXXX dollar bonus. I met these requirements as of XXXX 2015. Their fine print states that the bonus will be deposited within 30 days of fulfilling the deposit requirement. I opened my account XXXX XXXX 2015. I have spoken to Discover Bank on two different occasions now and they have not been clear about depositing the bonus owed to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Nyc, NY

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-02

CT

Other

Credit card:

Complaint: Discover card is reporting that I have a joint account with my husband. The account was opened before I even knew him. It was opened XX/XX/XXXX. We did not get married until XX/XX/XXXX. He added me as a user on the card. They had none of this information on me when I called they did n't have my dob XXXX/XXXX/XXXX my ssn XXXX and my marriage date of XXXX/XXXX/XXXX. This is preventing us from getting a rental which is larger than what we have. I have not filled out any application and they did not have the above stated items. I would like the reported part removed from my correct report and the judgement removed from my credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-01

San Tan Valley, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-01

Reno, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-02-01

Lady Lake, FL

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-31

Marshalls Creek, PA

Billing disputes

Credit card:

Complaint: As of XXXX or as far back as XXXX XXXX, Discover card has been returning my phone payments to my banking institution [ XXXX bank ] that I 've made in a timely manner. Not only is Discover charging me with late fees, they are including returned [ electronic ] check fees. XXXX informed me that the problem is not with them. Altogether, the fees are totaling upwards of {$290.00} with a current payment made today XXXX/XXXX/XXXX. I also called Discover today to obtain my account number which they refused to do. I informed Discover that I needed the acct. number to pay my bill online through XXXX. I 'm thwarted at making payments to Discover as far back as possibly XXXX through XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-31

Hazelwood, WA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-30

Aurora, CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

AL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

NV

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XXXX XXXX, XXXX we completed the sale of my primary residence. We provided the XXXX of Nevada, hereinafter known as the " title company, '' with instructions to wire the funds to my bank, Discover Bank, hereinafter known as the " bank. '' As of XXXX XXXX, the funds were still not showing as credited to my account. When we asked Discover Bank why our funds were not yet deposited, they responded by saying that they used a third party, XXXX XXXX, to process these types of wire transfers. There is no clear representation of this relationship on the Discover Banking website. After a period of several days, Discover Bank deposited the funds to our account on XXXX XXXX. The transaction description listed on that date is " incoming wire. '' On XXXX XXXX, XXXX we receive a call from XXXX XXXX informing us that our funds were returned to them. We checked our bank account and found that our funds were still deposited into our account. We informed Discover Bank about the discrepancy on XXXX XXXX, XXXX. Despite multiple phone calls to Discover Bank and being placed on hold for hours, we were not able to obtain any resolution. On XXXX XXXX, XXXX Discover Bank withdrew funds from our account. The transaction description lists " Reverse Incoming Wire. '' We did not consent to this withdrawal, and we were not informed before or after the withdrawal. The transaction amount on the reversal was the same amount as the deposit. On Monday, XXXX XXXX, XXXX we contacted the title company to see what we could do to get the issue resolved. The title company suggested that we initiate a three party call with Discover Bank to seek resolution, and we agreed. The three way call occurred on XXXX XXXX, XXXX. XXXX XXXX of Nevada requested that Discover Bank send a letter to us detailing the series of events. On XXXX XXXX, XXXX we began calling Discover Bank on a daily basis. These calls have continued until today, XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX Discover Bank sent the letter they prepared. It was delivered to our prior address, and we did not receive it. On XXXX XXXX, XXXX we called Discover Bank to inquire about the letter. We learned that the letter was sent to the wrong address and requested that it be re-sent to the correct address. On XXXX XXXX, XXXX we received the letter from Discover Bank, and we hand-delivered it to XXXX XXXX of Nevada. We asked if they would like to retain the envelope in which the letter was delivered, and they declined. On or around XXXX XXXX, XXXX XXXX XXXX informed us that they did not believe that the letter we delivered was authentic. They requested a picture of the mailing envelope which we sent to them. The sender listed on the pre-printed mailing envelope was " Discover Student Loans. '' We do not now nor have we ever had a student loan held or serviced by Discover Bank. XXXX XXXX stated that this labeling caused them concern. They were also concerned that the letter was not signed, and they questioned the authenticity of the company letterhead. On XXXX XXXX, XXXX we asked Discover Bank to please issue another letter. Despite continued daily calls we have not yet received a letter. Discover Bank refuses to allow us to speak with their legal team and said that a subsequent letter would not be ready for another 2 weeks. On XXXX XXXX, XXXX we went to the offices of XXXX XXXX and requested that they release the funds to us directly via a cashier 's or certified check. They declined to do so and stated that our bank committed a Federal Crime, and that they would not release the funds to us without a letter from Discover Bank that acknowledged an error on their part. At that time, we asked whether our funds were in an interest bearing account. They said that they were not. We directed them to do so immediately.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-29

Wheeling, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Gulf Breeze, FL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-29

Cleveland, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-01-29

Oakland, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-28

Doral, FL

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Okc, OK

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-28

Macon, GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response