DISCOVER BANK

2016-01-04

VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

Chestnut Rdg, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-03

Fontana, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-01-02

Five Points, NC

Credit line increase/decrease

Credit card:

Complaint: i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-02

Tampa, FL

Billing disputes

Credit card:

Complaint: I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Vab, VA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-12-31

Bellevue, TN

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Berkeley, CA

Application processing delay

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-31

Doswell, VA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-31

NY

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-30

Monrovia, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Itasca, IL

Billing disputes

Credit card:

Complaint: I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. I believe that Discover Card is acting in bad faith to my detriment. Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

El Paso, TX

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Oxford, GA

Getting a loan

Student loan: Non-federal student loan

Qualify for a better loan than offered
Complaint: Denied federal funding and had to use private loans through Discover Student Loans at higher interest rates, unable to choose payment plan for interest repayment. Graduated from XXXX XXXX University XXXX, SC. XXXX also mislead me as to the availability of classes, I would 've not graduated if i did n't take summer courses due to the limited availability and degree requirements.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-30

Houston, TX

Customer service / Customer relations

Credit card:

Complaint: I applied for a mortgage loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX informed me that my application was denied. One of the reasons given was " Excess Obligations in Relation to Income ''. A DISCOVER account was considered as an " obligation. '' DISCOVER confirmed to me by letter dated XX/XX/1996, that my name was removed from the account. They lied. The account continues to " impact '' my credit worthiness.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-30

Glenmont, OH

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-29

Corona, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Virginia Bch, VA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

TX

Other

Credit card:

Complaint: I had a Discover credit card that was charged off XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX from the IRS saying I owe taxes on this credit card that was supposedly a XXXX Cancellation of Debt '' from XX/XX/XXXX. I now am having to fight the IRS on a problem that is way beyond what I have read to be the statutue of limitations on a debt. I did not ever receive a XXXX from Discover Card, so I would have no way of knowing to put that on my taxes even if it was not too old.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-29

PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

Aston, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-29

San Diego, CA

Credit line increase/decrease

Credit card:

Complaint: Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-29

Bedford, TX

Credit line increase/decrease

Credit card:

Complaint: Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-28

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