DISCOVER BANK

2015-12-22

Ceres, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Clinton, NC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-20

Bremen, GA

APR or interest rate

Credit card:

Complaint: Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-20

Bellaire, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking account online in Discover website on XXXX/XXXX/2015 and used a promotional offer from Discover. The offer code was " XXXX '' and as per offer terms and conditions if I open the checking account within XXXX and complete XXXX direct deposits of each no less than {$250.00} within 60 days, then I will get {$300.00} bonus in my checking account. My account was opened on XXXX/XXXX/2015 and I did complete XXXX direct deposits ( each direct deposit was much more than {$250.00} ) only within 30 days of my account opening. However, so far I have not received the {$300.00} bonus in my Discover checking account yet. I called Discover customer service quite a few times. But unfortunately they just asked me to wait without solving this issue at all. I request Discover to follow their promotional offer terms and conditions and post the {$300.00} bonus to my checking account as soon as possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-20

PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times, I was told by this fraud unit my cards will be here by 5 days. Look I have no cards nothing at all ... Just agents that were rude and disrespectful to me on the phone!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-19

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. XXXX XXXX to XXXX XXXX talked with XXXX. Confirmation # XXXX. called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-19

MA

Closing/Cancelling account

Credit card:

Complaint: I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-19

NY

Advertising and marketing

Credit card:

Complaint: I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX, 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. '' My purchase did not contain a gift card, and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize, Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with, and have never encountered such issues with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-12-18

Astoria, NY

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Grand Prairie, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Zachary, LA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Van Nuys, CA

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Ridley Park, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-17

Foy, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Shoshoni, WY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Liverpool, TX

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened an online savings account with Discover Bank based on a targeted offer I received in the mail. The offer was to include a {$100.00} bonus if I deposited {$15000.00} by XXXX/XXXX/15. The bonus was to be credited to my account within 30 days of receiving the required deposit. I opened the account with the deposit of {$15000.00} on XXXX/XXXX/15. The deposit was posted to my account on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have not received the credit that was promised. I called Discover customer service, and they informed me that I have done everything to qualify for the offer but do n't know why I have n't received it. They told me I had to put a ticket in with their marketing department and it would take 4-6 weeks to resolve. Discover Bank seems to be taking an excessive amount of time to post deposits to make interest off of the " float. '' In addition, they are not following through with the bonus offer that customers agree to. These are unacceptable business practices and consumers should be aware.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-17

Rehoboth Bch, DE

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Main Office, VA

Other

Credit card:

Complaint: My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am having work done on my house and checked my Discover Card account to see if the flooring company had charged me for anything after ordering my materials. I saw a couple of things on my account that did n't look right. When I looked further there were XXXX companies and a number of transactions that I had not been involved with. I called Discover Card and they put me through to their fraud department. The companies were XXXX, XXXX XXXX, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. Discover cancelled that card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Campbell, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Boston, MA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Lowell, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Foothill Ranch, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

San Leandro, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Tarpon Spgs, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response