DISCOVER BANK

2016-01-14

Columbus, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Camden, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Broadmoor Vlg, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-14

Las Vegas, NV

APR or interest rate

Credit card:

Complaint: In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-01-14

VA

Bankruptcy

Credit card:

Complaint: I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Discover Bank. The root of the situation is that Discover Bank is reporting my credit card opened on XXXX XXXX, 2011 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Discover Bank. I have provided documentation to Discover for over a year, just to fall on deaf ears and not have any of my calls returned. Discover has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Discover. Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. I am begging you to demand that Discover Bank send me a letter of apology for these violations of my Civil Rights. Additionally, please have them immediately remove any reference to Status - " Included in bankruptcy '' from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

San Antonio, TX

Advertising and marketing

Credit card:

Complaint: Hi, I 'm filing a complaint against Discover for deceptive and false advertising/marketing. Discover as part of their " built-in '' card benefits, offers their members Price Protection. " Shop with confidence now. Do n't miss out on the sale price later. If you see an item you purchased at any store at a lower price within 90 days, Discover will cover the difference. '' I purchased an item from XXXX on XXXX XXXX, XXXX using my Discover card and found a lower price for that same item on XXXX XXXX, XXXX. I called Discover on XXXX XXXX, XXXX to file a claim. Discover transferred me to their Benefits Department to file the claim. When I spoke to the Benefits Department representative, they informed me I was outside the 90 day period. I informed the representative, I was n't, I was within 90 days. I called Discover back and the Discover representative counted the days and confirmed I was indeed within the 90 days. ( please see Discover customer service notes and/or phone log to confirm this ). The Discover representative asked to transfer me ; however, I had to get back to work. I later called Discover back to file a Price Protection Claim on XXXX XXXX, XXXX. Once again I was transferred to Discovers Benefit Department, where they confirmed I was now outside the 90 day period because 2 days had gone by already. I informed them I tried filing a claim on XXXX XXXX, XXXX, while I was within the 90 day period. Discover 's Benefits Department refused to allow me to file a claim. I called Discover multiple times to try to get this issue resolved due to the original error being on their end ( error being when I called XXXX XXXX, XXXX within the 90 day period, only to be incorrectly told I was n't ). Additionally, when I called Discover each time, it seemed each supervisor I spoke with was unaware or not fully informed of how Discover 's " built-in '' benefits work, are handled, or administered. Furthermore, when I called on XXXX XXXX, XXXX, XXXX of the supervisors I spoke with documented that I was indeed within 90 days when I originally called on XXXX XXXX, XXXX. Discover was unhelpful, explaining they ca n't do anything due to Price Protection being administered by a Third Party. I asked how I can file a complained, which they were very vague about. I then asked how I could follow a complaint with the Consumer Financial Protection Bureau for deceptive and false adverting/marketing and they did n't know what I was talking about and did not provide that information. Discover is being deceptive in their practices as well as providing false advertising/marketing on their " built-in '' card benefits. Discover 's deception is shown through their less than adequate knowledge of how their " built-in '' benefits work and falsely advertising and marketing of those " built-in '' benefits. Discover offer their members built-in '' benefits ; however, when it comes to filing a claim and/or have an issue with the claim, they are unable/unwilling to assist. Individuals enroll with Discover not only for the card, but for the benefits they offer. By Discover not following through on their promise or by fulfilling the " built-in '' benefits they advertise and market to their customer they are being deceptive. Original Purchase Date : XXXX XXXX, XXXX Date lower price found : XXXX XXXX, XXXX Date I called to file a claim : XXXX XXXX, XXXX Number of Days from Purchase Date to Lower Price Found XXXX 31 days - 13 days = 18 days XXXX 30 days XXXX 31 Days XXXX 5 Days Total Days = XXXX Number of Days from Purchase Date to Call to File Claim XXXX 31 days - 13 days = 18 days XXXX 30 days XXXX 31 Days XXXX 11 Days Total Days = XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-14

New Brit, CT

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Etna, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Norcross, GA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Highland Park, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Okc, OK

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My social security number was used to open several accounts. I filed a police fraud. Report and all the papers from. The credit Card company 's. This company removed it from my credit reports Then put it back and started billing and calling me again. I. Have Never used this card or made payments on it. I told them. The person responsible for the card and it did n't make a Difference.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Bremen, GA

APR or interest rate

Credit card:

Complaint: Good Morning, I have a complaint about how discover card applies minimum payment every month. I have XXXX different interest rate that cover XXXX different balances. for example i have a balance of XXXX with a 14 % int, a balance of XXXX with 17 % int and a bal of XXXX with 21 % int. The XXXX balance is on older purchases and the 14 % is on new purchases. When they calculate my interest charge for the month, they have XXXX different interest charges from the XXXX balances. Each interest charge is added to the respective balance for example the int charge for the XXXX at 21 % is added to the XXXX balance. However, when I make my min monthly payment which includes the interest charged on all XXXX balances, the min payment is applied to the balance with the lowest interest rate. That means the balance with the high interest rate keeps going up and I am charged interest on top of interest for the following months. The min payment should be applied to all XXXX balances. Meaning interest charged at 22 % should be subtracted from the min payment because the min payment includes the interest charge for that month. This is a deceptive practice that discover card is practicing and has been practicing for years. It will take a lot of math to calculate how much I have lost due to this practice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-13

Hamburg, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Key Biscayne, FL

Bankruptcy

Credit card:

Complaint: discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. account # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-13

Arco, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-13

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened an discover bank saving account with a promotion code of XXXX. The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-12

Chester, VA

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-12

Wann, OK

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Katonah, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: Yes Timely Response

2016-01-12

Berkeley, NJ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-12

Arvada, CO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Penfield, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

AL

Billing disputes

Credit card:

Complaint: Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. Please help me. Thanks.
Company Response: Closed with explanation

Disputed: No Timely Response