DISCOVER BANK

2016-01-21

Marvin, NC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-20

Portland, OR

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Reno, NV

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of XXXX years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. Please see case # XXXX in ( Nevada ) XXXX Justice Court.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Las Vegas, NV

Closing/Cancelling account

Credit card:

Complaint: My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Mabank, TX

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-19

Gloucester City, NJ

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Atlanta, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On or after XXXX XXXX, 2011, I opened an account with Discover Financial Services. Someone stole my identity along with my credit card information and they proceeded to fraudulently use my credit card. This has happened on several occasions and each time I reported the fraud in a timely matter. To date Discover is holding me responsible for charges and fraudulent payments that I did not make. They have also retained an attorney to collect on this debt that I do not owe. I have all the required proof of fraud and I have applied Discover with this information multiple times to no avail. Lastly, Discover has violated my consumer rights by consistently reporting erroneous information to all XXXX major credit bureaus which has left me credit deficit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-19

Oak Park, IL

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-19

Phoenix, AZ

APR or interest rate

Credit card:

Complaint: Discover offered me an approximately year long 0 % balance transfer offer about XX/XX/XXXX-XX/XX/XXXX. It was for approximately one year. I had a small balance on my Discover at the time to the best of my recollection. I received a somewhat larger than normal bonus XX/XX/XXXX, so paid off the rest of my Discover balance to take advantage of the 0 % offer. I received checks ( unrequested ) from Discover for this offer, and they said I could deposit directly in my checking account. Id did that for approximately {$8000.00}. I then also paid off some other balances on other cards on line. About a week later, after paying off other balances, etc. in reliance, I woke up and checked my checking account to see an approximately XXXX-XXXX negative checking balance. Despite my account having been XXXX with Discover, they erroneously reversed the 0 % deposit check, which caused my checking to go negative, massive other payments to get reversed, and huge checking fees. I still have {$43.00} in fees my bank never reimbursed me. I was in a panic that all my other lenders would send me into a default rate. Discover fell over itself apologizing for the error. They ended up having to structure a transaction with a partial replacement 0 % check and then they made a manual adjustment to my account to give 0 % for the other half. They were both still supposed to be the duration of the original deal which was a year. I got my XX/XX/XXXX statement today and lo and behold there is {$43.00} and change in interest on there. About half of the original what was supposed to be 0 % for a year reverted back to purchase rate 16.24 % in XX/XX/XXXX, 6 months or so early. The rest of my balance is still at the 0 % where it is supposed to be through XX/XX/XXXX or XX/XX/XXXX. I just noticed it, called Discover and spent a half hour on the phone. They can not explain how I have XXXX different rates and terms on what was all supposed to be a single transaction at 0 % for approximately a year from XX/XX/XXXX. Again, the only reason they ended up doing half transfer and half manual readjustment to 0 % purchase APR on their end was their mad scramble to get the money back in my checking account before I went to default rate on everything and, while I was successfully paying off debt, nevertheless get thrown into BK because of Discover pulling the carpet out from under me. Some thanks for paying off my Discover balance and being a good consumer. So to sum, they improperly reversed the first check, then put together a deal to get the money back to me which was still supposed to be the same terms ( 0 % for a year ), yet they have cut the term in half for half the deal, which will cost me several hundred in interest plus the original banking fees I still have not been reimbursed from their first mess up XX/XX/XXXX. You ca n't have XXXX sets of terms out of a single deal, just because it turned into XXXX or XXXX transactions solely because Discover 's own error resulted in that ; had they not improperly reversed the XXXX check I never would have had a negative checking balance that created an emergency that resulted in Discover having to send me out new checks, make manual account adjustments to my terms, etc. -- if the boilerplate language to that XXXX set of docs is different, that too is their problem -- we would not be dealing with those had they simply honored the first check. The XXXX one I deposited that they improperly reversed was for about $ XXXX for a year at 0 %. That is the deal I should get on my whole balance, not half. They need to honor it, reverse the XX/XX/XXXX interest charge, and reimburse me the {$43.00} in bank fees I never got back from their error XX/XX/XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-19

Reno, TX

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-18

Burlingame, CA

Advertising and marketing

Credit card:

Complaint: XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Cols, GA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-17

Bloomington, MN

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: I have been having hardship since my job of seven years closed down XX/XX/XXXX and I lived in my home for 23 years I do not own it.I had a choice in paying my mortgage, I am still struggling to pay now.I 've been caught up now when finding temp job. I have a Discover card which frozen my payment because of my unemployment issues for 24 months. I am the sole owner of this card. Once my husband got injury and could n't work they frozen my payment again because he is my spouse because of my payment protection. He is not authorized user because I am the sole owner. My husband is now disable and get little money from Social Security. I have no income. When I last talk to Discover Card company last year around XX/XX/XXXX ask if I could send in a payment. My hardship I made a choice to live in my home with my family and kids. They place the card in collection. I thought it would just be listed as a bad debt on my credit report. I have been trying to find Stable full time work so I can pay my bills like I always have. It been hard for me to find full time work. getting to the story on Monday night XX/XX/XXXX at between XXXX XXXX a little before XXXX XXXX there was a rang at the bill. My husband went to the door and a man was there. He asks for me and throw a letter inside of my inside mail box. This letter was not handed to my husband. My husband did n't retrieved the letter because he thought it was just advertisement or something. The next morning my daughter bought the letter to me and I read it. Discover want to sue me this is a unsecured debt, there was no pay advance on this card. the last amount I know about was {$11000.00}. The last I talked with Discover card in XXXX they raised the interest on the card to {$11000.00}. I had to send in a report from the Doctor about my husband XXXX for the account to be frozen and protected.Some how the paper was n't entered in their database on time. It made the amount go from {$11000.00} to {$11000.00}. I can not pay on this account because I do n't have income, I am having a hardship and trying to keep shelter for me and my family. The letter has a Summon with no court number listed or a seal. if I do n't give a answer he will take me to court and sue me for {$12000.00}. This attorney had me feeling like I was having a XXXX. I wish you can help me with this answer to this attorney that amount is not true, which they paid pennies on a dollar. I am willing to pay {$10.00} a month until I find a full time employment in my field of Mortgage Underwriting. I had a death in my family XX/XX/XXXX and grieve for 2 years for this lost. I been trying to find work. My XXXX job last 1 to 3 months and do not pay enough for me to take on paying this credit cards. I have always pay my bills on time when my husband and i had job. it been hard and the only debt I have is credit cards this Discover card is harassing me at night, the attorney is running my credit report without my authorization, calling me when I said not to, coming to my house at night. I have 20 days to give him/She a answer. This summon has no date stamp on or listed in the body. ask XXXX and XXXX XXXX XXXX ( XXXX ) XXXX. Give me relief to find a real FT job. I am looking everyday. or set up a good faith payment of {$10.00} a month. Or just lists it as a bad debt on my credit report and let me take care of finding work and then make a arrangement later. once I find full time work with a payment plan. I have only XXXX other credit card they are listed as charge off now. I will make good faith when I find full time employment. Only the Discover card want to sue me. I read on your website about. Is there such a thing when Obama made credit card relief or a a bailout for the consumer who is experience hardship and can not pay the credit card debt. Please help me and send the letter this this attorney. Or to set up a payment plan
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-17

NY

Credit determination

Credit card:

Complaint: I fell behind on my credit cards, I then searched for a deby consolidating firm, find one all is well making payments, then the bank failed to pay the consolidating firm urging they did not recongnize their bank. No word this happened until I get multiple documents opened and my social plastered all over the documents from a law firm I quickly recognize the lawyers, whom I had a problem with 9 years ago. I send six emails then called Debt consolidating firm after. I try to resolve. I then send a complaint to XXXX and they stop the harrassment. I send the lawyers a cease all notices to my home. I explained to XXXX that I was harrassed and threatened with jail 9 years ago and since that was their tactics I did not want them to do it again. The lawyers responded with " we do not harass I just refuse to pay, and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat, was prior to this current situation and that I did not want that to happen gain. I will forward all docs to you via mail. The lawyers are XXXX. based in XXXX. I went to a lawyer for a free consultation ( XXXX in XXXX XXXX XXXX ) who asked me to forward a letter to each creditor asking for them to re visit my balance and allow me to pay {$25.00}. I am not trying to get out of it I am trying to make it right. All I ask is that they respect my right. They are after me and it id personal because I filed several complaints. This is not fair and they continue to send notices to the wrong apartment even after I gave them my correct name used and apartment number. I am in the middle of a seperation that is painful enough. I am looking for anaffordable apartment and I have a XXXX year old to contiue to nurture and be ready for college. If I were trying to not pay I would have claimed bankruptsy like the rich. I want to settle and pay off my debt. XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-17

Kirtland, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Lubbock, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-15

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-15

Sandy Hook, CT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Des Moines, IA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Chicago, IL

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Hollywood, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Santa Monica, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Wrentham, MA

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Wayland, MI

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2016-01-14

Friendly Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response