DISCOVER BANK

2015-12-28

Baltimore, MD

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

2015-12-28

West Brandywine, PA

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

2015-12-28

San Francisco, CA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: Told the law firm that I did not want to be contact about this debt but they sent another letter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Stanford, KY

Rewards

Credit card:

Complaint: Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-28

Manor, DE

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-28

CO

Delinquent account

Credit card:

Complaint: I received a Discover credit card XX/XX/2015. When I got my card I enrolled my account for auto-pay to have the entire amount owed deducted from my checking account at the end of each billing period. This worked for the first three months and I was not aware of any issues. XX/XX/2015 I got an alert from my identity theft protection service advising me of a negative report on my credit history. I checked the alert and learned that Discover had reported me for failure to pay a bill. The bill was from XX/XX/2015. I tried to call Discover at their XXXX ( XXXX ) DISCOVER hot-line number but the automated message told me their call center was closed. I tried many more times over the course of three days, calling XXXX ( XXXX ) DISCOVER but I kept getting the automated message that their service center was closed. Finally I called a technical support line that answered. The tech support representatives told me that the XXXX XXXX XXXX XXXX DISCOVER is 24/7 and that I was incorrect about them saying they were closed. I have recordings of the automated message stating that they are closed. They also stated that I had never enrolled in auto-pay and that I had made all my payments manually using their website. They claim I had made three payments manually via their website ; one on XX/XX/XXXX, one on XX/XX/XXXX and a final one on XX/XX/XXXX. Their online records only show one payment made via the website which was on XX/XX/XXXX. They are absolutely wrong when they claim i never enrolled in auto-payments. If I paid online every time how come there is only record of XXXX payment to my account in the eight months since I opened my account? How come they themselves ( this is recorded as well ) state that I paid them three times via their website and they only have record of XXXX payment? I enrolled in auto-pay with Discover the same as I have with every credit card I own ( XXXX credit card and XXXX debit cards ) and I have never missed a payment. Discover erroneously switched my account from auto-pay and have inaccurate records that my account was not set up for auto-pay. Their ineptitude and refusal of responsibility is evidenced in the way that their XXXX number has not worked for three days and their insistence that it is working ( again, I have recordings of their automated message stating they are closed ). I am upset about the erroneous fees they are charging me for failing to pay my bill but I am furious that they have damaged my pristine credit as a result of their mistake. I have a picture of my account setting showing that it is set on auto-pay. I also have a picture showing that their records reflect only one payment made via their website in contradiction to their claim that I have manually been making the payments via their website the entire time. According to their records I have only paid them one time. How is that possible if I have been using their credit card for eight months? I will attach the screenshots showing that their records only reflect one payment and my monthly activity statements showing that the numbers they are claiming simply do n't add up. I will also attach the recording of their closed call center to this complaint if possible. The call center issue is really just to show a pattern of ineptitude and their denial of culpability.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-27

N Haven, CT

Billing disputes

Credit card:

Complaint: We stayed at a property advertised by XXXX in XX/XX/2015 - XX/XX/XXXX. Property Case XXXX. The property was misrepresented. It was dirty, unhealthy, made my XXXX year old have XXXX, there were lots of bees in the condo -- hornets -- every day. There was mold in the shower. The shower curtain was disgusting. I called XXXX. They told me i had to go through Discover credit card. Discover, denied my dispute claim after giving me the half payment of XXXX back, not once, but twice, and finding in my favor -- on a recorded telephone call on XX/XX/2015 -- or thereabouts. [ Utah call center / dispute billing office. ] Now Discover has taken back all of the refund it had initially given me because ( according to them ) I failed to get an exterminator, while on vacation, to prove infestation. Even though I sent photos of the paint -- XXXX gallons near the hot water heater -- the mold in the shower, the broken locks on the window, and broken " art '' that hung above our bed which probably put plaster dust into my XXXX. And. Of course. The downstairs neighbor whom obviously did n't approve the upstairs being rented -- told us on day 1 that he could " hear a cell phone vibrate down the wall '' when it rang -- no XXXX on this vacation. To top all of this off -- Discover sends me a notice stating they are taking back all of the refund on XXXX. There is a dispute program via XXXX -- the vendor -- but it 's a gaff. The consumer has to find the material misrepresentation of the property and report it in 2 hours -- AND they also have to go through the credit card company first. The following was sent to the Texas XXXX -- the corporate office of XXXX, along with the same sent to Discover -- with photos of the paint, broken art, mold, broken art, and reports of bees in the condo -- they said they ca n't use photos as proof ... ..I hate them. P.s. I have paid my Discover card off recently to the tune of XXXX and they would n't even advocate for me! I did not receive or enjoy the full value of the service offered and Discover just does n't care! The property was mis-represented. It had paint in the closet which was near the hot water heater causing my son to have XXXX. The closet was in a closed bedroom. The artwork was hanging off the walls and above my bed which most likely put plaster or other dust in my XXXX The tub had mold and the curtain was stained red like blood There were bees constantly coming into the condo from the outside vents. The downstairs neighbor told us on day 1 that he could hear " a cell phone upstairs vibrate down through the wall '' -- no XXXX on this vacation that 's for sure! I I requested a XXXX percent refund which Home Away initially did -- of XXXX but after I was treated so poorly by the property owner -- ( AND Home Away told me I had to go through my credit card company first before enacting their care free guarantee program XXXXeven though I paid for it ) they have since requested that Discover Card remove the half credit to me. Why have a guarantee if you are going to tell the consumer that they ca n't use it unless they go through the credit card company first? The CareFree Rental Guarantee is a gaff! Unless you discover the issues in XXXX hours -- it does n't work because they say you violated the good faith portion of the contract for discovery of material misrepresentation. I am requesting half of my money back. The bees just kept getting worse over three days time and the paint in the closet was not discovered until after the 3rd day of stay -- of course -- that is when the hot water heater had been used several times and the heat generated the fumes to a larger extent because the hot water heater had to be turned on. There were no fumes upon arrival because the hot water heater was cold.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-27

Ft Belvoir, VA

Rewards

Credit card:

Complaint: The Federal Deposit Insurance Corporation ( " FDIC '' ) is the appropriate Federal banking agency with respect to Discover Bank, XXXX, Delaware ( " Discover '' ), under section XXXX ( q ) of the Federal Deposit Insurance Act ( " FDI Act '' ), XXXX U.S.C. XXXX ( q ). The Consumer Financial Protection Bureau ( ''CFPB '' ) has jurisdiction over Discover, pursuant to sections XXXX ( XXXX ), XXXX and XXXX ( b ) of the Consumer Financial Protection Act ( " CFP Act '' ), XXXX U.S.C. XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX b ). Myself and numerous other similarly situated Discover consumers have not reasonably been able to obtain rewards, as marketed and represented by the entity. Discover has engaged in unfair practices by imposing " burdensome requirements '' on consumers in connection with its suggestion that receipts need to be submitted in order to claim the rewards offered under the promotion. Curiously, the terms and conditions governing the Discover promotion in question have never stated that the consumer needed to keep receipts. The terms of the promotion are referenced on Discover 's website : under the XXXX Pay FAQ section of Discover 's website. The relevant details are under the " Earn Rewards '' section : " What are the details for the 10 % Cashback Bonus ( XXXX ) promotion? Cashback Bonus Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX Pay now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. Miles version : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX Pay now through XXXX/XXXX/15. Excludes gift cards. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Miles account within XXXX billing periods. See Miles Program Terms and Conditions for more information. '' XXXX The gift card exclusion was added several days after the promotion was launched Discover is now blanket rejecting purchases above a certain amount Discover is requiring customers to retain receipts Discover does not have the requirement to keep receipts in the Terms and Conditions governing the promotion This is a blatant attack on consumer privacy The burden of proof is shifted to the consumer, instead of the credit card company If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. XXXXXXXXXXXX sent e-mails to me which erroneously suggested that the following transaction 's on my account included a gift cards : XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$500.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$2000.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$1000.00} XXXX/XXXX/15 RITE AID STORE - XXXX XXXX VA XXXX PAY ENDING IN XXXX XXXX Merchandise {$2000.00} XXXX/XXXX/15 XXXX STORE - XXXX XXXX XXXX PAY ENDING IN XXXX XXXX Merchandise {$1000.00} As a result I 'm missing bonus mileage for the purchases described XXXX totaling near XXXX miles all of which are in fact eligible and qualify for the Discover & XXXX PAY 10 % BONUS promotion. Discovers actions are Unfair, Deceptive and Abusive XXXX XXXX XXXX XXXX defines an " unfair '' act or practice as follows : The act or practice causes or is likely to cause substantial injury to consumers. The injury is not reasonably avoidable by consumers
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-26

Coeur D Alene, ID

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-26

Rochester, WA

Payoff process

Credit card:

Complaint: I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-26

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. I have a letter which documents everything, along with everyone I 've spoken with and every date. I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. Thank you for your assistance.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-25

Arlington, VA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

San Diego, CA

Other

Credit card:

Complaint: I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-25

Glendale, CO

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-25

Orlando, FL

Credit card protection / Debt protection

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-25

Scottsdale, AZ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I have XXXX loan which has the same account number with Great Lakes, XXXX XXXX XXXX, XXXX, WI XXXX. I have been paying almost every 2 weeks with {$150.00} and they were crediting them to the lowest interest ( 7 % ) and showing overdue on the highest interest rate ( 9 % ). I called them several times to resolve by consolidating or lowering my interest rate ; they have rejected my request neither they are willing to talk. My account number is XXXX. I would request the esteemed Attorney General or their office to intervene to resolve this issue as I am struggling with all the highest payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

Riverdale, GA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

Garrett Park, MD

Customer service / Customer relations

Credit card:

Complaint: Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-24

Nyc, NY

Billing disputes

Credit card:

Complaint: When my father died, I notified his Discover card that he had passed ( sent them a copy of his death certificate ) and that his estate was insolvent ( it is ). They started sending ME the bills for his account, at my address and in my name, and calling me ( have called me at least XXXX times ) to tell me *I* owed the money. I told them the XXXX time they called that I did NOT owe the money, and that they should send documentation that I was responsible. They said " we ca n't '' and " we do n't have that documentation ''. But they continued to call. And my credit rating was impacted. FINALLY, after HOURS on the phone with them and sending several written complaints, they told me 1 - if I do n't pay it, it will continue to be on my credit rating, 2 - if I DO pay any part of the bill to protect my credit rating, AND then they resolve my dispute by confirming in their own research that I am NOT responsible for the account/debt, THEN THEY WILL NOT REFUND THE MONEY I HAVE PAID TO THE ACCOUNT while they were falsely insisting I owed it. 3 - At their advice, I paid the initial " minimum payment due '' from after my Dad died ( they had increased it to several hundred ) so as not to have my credit rating impacted quite so badly. So I paid {$35.00}. 4 - They CONTINUED to call to say " my '' account was past due. 5 - They sent me a LETTER stating " Based on a review of the information, we have removed your name from this account .... '' 6 - I CONTINUE to receive calls ( two just today ) stating I owe them money. 7 - Logging into the account via my Dad 's site, it STILL shows my name ON THE ACCOUNT. 8 -I am on hold with them now, and they have just confirmed my name is STILL ON THE ACCOUNT.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-12-23

SC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Brooklyn, NY

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Pittsburgh, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Itasca, IL

Transaction issue

Credit card:

Complaint: Early in XXXX I was researching suspension upgrades to my F350 pick-up truck. I went to the XXXX website and saw the complete kits to convert my truck to air spring suspension. I called the company and talked with the representative, XXXX, who said he could set me up with a bolt on kit. We conversed for a while trying to get details worked out about the bolt-on-kit contents and price. On XXXX XXXX, I ordered the kit with a number of upgrades. They charged my card on XXXX XXXX. On XXXX XXXX, the shipment arrived in damaged boxes. I took pictures of the boxes and opened them to determine if anything was missing. I could n't because there was n't a packing list with the shipment. I sent the pictures of the damaged boxes to the company and requested a packing list to determine if anything was missing. I still do n't have XXXX. I went on the website and looked at the product depictions there. I determined I was missing a number of items. I also had the wrong compressor in the shipment. The company XXXX : mailed me a shipping label which I used that night when I got home ( XXXX XXXX XXXX. I do not now have a compressor from the company. As near as I can ascertain, the shipment was missing a number of specialty bolts, some air hose, the protective housing for the air valves and controls, mounting hardware for the compressor, tank and dryer, and at least XXXX frame bracket for the suspension. In a later conversation, XXXX said they do n't supply the boxes anymore even though they are depicted on the website and in the installation documentation. On the phone, he suggested I try a truck stop to find the missing air line. On XXXX XXXX, I filed complaints with the Illinois XXXX, the Arizona XXXX, and Discover Card credit card. The company 's immediate response was they would do nothing until I reversed the complaint with Discover Card. They were true to their word. 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. Does a bad faith transaction bind me? I will be filing a complaint against Discover Card with the Illinois XXXX. I believe that both XXXX and Discover Card are both acting in bad faith to my detriment. As a side note. When I called the XXXX company, they never informed me that they are recording the conversation. In one of the e : mails, XXXX, the president attempts to intimidate me with the fact that they recorded my conversations. I believe this violates federal wiretap law.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Pinellas Park, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Gastonia, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response