DISCOVER BANK

2015-12-10

Penn, PA

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-09

Kragnes, MN

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-09

Harsens Is, 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

2015-12-09

Sioux Falls, SD

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Ivalee, AL

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Discovery Bay, CA

Billing statement

Credit card:

Complaint: Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-08

Lowell, AR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A summons with someone of a similar name as mine is being reported on credit report from 2010 when I was XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Patterson, MD

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. I have recently restarted my job search,
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Katonah, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

MI

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

CA

Billing disputes

Credit card:

Complaint: Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-07

Bremen, GA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

NY

Billing statement

Credit card:

Complaint: Discrepancy of actual transactions vs monthly statements. Balance does not match. I have documents. No one is taking me seriously. XXXX is. FOLLOW UP TO ERRONEOUS CHARGES AND MISHANDLED MANUAL TRANSACTIONS TRANSFERRED OVER. The Fair Credit Billing Act, the federal law that dictates how credit card fraud and billing disputes are handled, defines a number of situations as billing errors, including " goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' In other words, if you order a product and it never arrives - or if you refuse delivery because it 's not the product you expected or because it 's damaged - you 're entitled to your money back.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-06

Jamesburg, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-06

Albany, NY

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-06

San Jose, CA

APR or interest rate

Credit card:

Complaint: I am retired aged XXXX years. I lost my job in XX/XX/XXXX. Now my main source of income is retirement benefits from social securityJob loss and XXXX surgery to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. Till today I am able to pay all the payments to credit cards and personal loan without any back payments. and defaults. My main source of income is {$1000.00} from social security as retirement benefits. Hear after I may not be able to continue the payments with very high interest APR. Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. I am great full to the CFPB management for this helping hand to the needy consumers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-06

Cocoa, FL

Delinquent account

Credit card:

Complaint: Called my XXXX father ad upset him ... who is not, and never has been listed as a way to contact me!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-06

Brooklyn, NY

Unsolicited issuance of credit card

Credit card:

Complaint: DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. PLEASE REMOVE
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-05

Plymouth, FL

Credit card protection / Debt protection

Credit card:

Complaint: I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-05

Sierra Madre, CA

Other

Credit card:

Complaint: I used Discover Credit Card ( {$1400.00} ) and several XXXX gift cards ( {$5000.00} ) to buy a product from XXXX and later returned. XXXX refunded all the money ( {$6500.00} ) to Discover on XXXX XXXX. And Now I have a total of credit balance {$7900.00} ( {$1400.00} from previous balance & {$6500.00} from this return ) on my Discover Credit Card. We have been asking Discover to mail us a check for the credit balance since XXXX XXXX. On XXXX XXXX, Discover opened a dispute on my account for the XXXX Return amount ( without informing us until I found out by myself on XXXX XXXX ). I uploaded the supporting file which is the online order payment summary screenshot, along with the XXXX refund policy, which states clearly that " If a credit card was used in combination with a Gift Card or XXXX Notes, the entire merchandise amount will be refunded to your credit card. " But Discover insisted that they have to contact XXXX and get a confirmation from them that the refund {$6500.00} is correct before they can send us a refund check for the credit balance of {$7900.00} on my account. In the Dispute Status, Discover said the investigation may take up to 30 days. However, when I contacted them on XXXX XXXX, they said 30 days is only for most cases. They said since they are still waiting for XXXX response so right now they are not sure when my refund can be processed. On XXXX XXXX I logged back into my account, I saw they changed the Date Updated for the Dispute Status from XXXX/XXXX/15 to XXXX/XXXX/15 but all the statement is the same and it seems they give themselves another 30 days to work on my case. All the Discover customer service reps we have contacted just stated that they can not guarantee when the dispute can be resolved. And they even refused to refund me the credit balance ( {$1400.00} ) which is not related to this investigation because they said the case is not closed so they can not refund me anything. We already spent more than 10 hours working on this with Discover. We called Discover XXXX number, live chat with their online customer service representative, sent email, contacted social media team XXXX and posted XXXX. None of this work.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-05

Boston, MA

Rewards

Credit card:

Complaint: Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX 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. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 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. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Huntsville, AL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-04

Darnestown, MD

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-04

Lannon, WI

Advertising and marketing

Credit card:

Complaint: I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

GA

Credit determination

Credit card:

Complaint: I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response