DISCOVER BANK

2015-11-30

Aurora, CO

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

Green Valley, NV

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-29

Scottsdale, AZ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

Aspen Hill, MD

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-29

NC

Credit card protection / Debt protection

Credit card:

Complaint: Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-29

Soquel, CA

Credit card protection / Debt protection

Credit card:

Complaint: I applied Discover Cash credit card XX/XX/2015. I started to use the card roughly on XX/XX/XXXX until XX/XX/XXXX. On XX/XX/2015, after online chat with a representative of Discover, I transferred some money to the Discover card so that I had more money to spend other than my credit line. To be clear, I paid off my balance on time so I had total credit line. On XX/XX/2015, I was going to purchase an item in a XXXX XXXX XXXX. The amount I was going to spend was within my permitted credit line. The credit card did n't go through. I received a message and an email from Discover requesting me to verify the transaction, which I did. However, I still could n't use the card even after I verified the transaction. Then I called Discover. In next TWO hours, I had been kicking back and forth from the Security department and the Billing department. The security department said with very disrespectful attitude : " The security hold has been cleared in your account. I do n't see any problem. You either let me transfer you to billing department or you have to try another day. There is nothing I can do about it ''. By that time, it had been TWO hours, I was exhausted so I gave it up. Two days later ( XX/XX/XXXX ), I called Discover to see if the card is available to use. One of the representatives said there was no problem. To confirm, I called the security department. The lady asked me a couple of security questions. I provided my card number, the XXXX security number of the card, my SSN, my name, my mother 's maiden name, and in what state I got my social security. I answered every question. All of a sudden, the lady said : " I can not talk to you anymore, your card is under review now '' I asked " why '', she said because there was XXXX question I answered wrong and refused to talk to me further and said " if I tell you which question you answered wrong, you would be able to look for the right answer ''. Several days later, Discover send me an email saying that they need to talk to me so I called them. The same thing happened. When they asked me " in what state you were issued the SSN '', I asked my husband to confirm my answer because last time, I was told that one of my answers was wrong. They asked me very rudely '' who are you talking to? ". I explained that I have moved XXXX states last year so I just want to get a confirmed answer from my husband. After I answered that question, I was told I was wrong and put my account under review once again. Here are the complaints I have : ( 1 ) Discover has been advertising that they will provide certain double cash back to the customer who enrolled their Cash credit reward program, which is the only reason I applied its credit card. Among the cash back that Discover promises, the purchase in department stores will be rewarded one of the highest cash back. I noticed that many people can not use Discover card in those department stores. I was stopped from using the card for no reason. ( 2 ) They have been very inconsistent and waisting my time. When I first call Discover, the customer service from the billing department said the negative balance was because I had overdrawn above my credit line. I had to explain to them that the negative balance was the money I transferred to my Discover account, and means Discover owe me money. And Discover credit card would not allow me to overdraw. ( 3 ) They refuse to talk to me to solve the issue. I do n't think I put the security question like " in what state my SSN got issued ''. And I do think my answer is correct. Even if I missed this one single question, I answered other questions correctly. There got to be some way to resolve it instead of putting me under review again and again without any point. I ca n't help thinking they want to stop my account activity until the double cash back policy expires.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-28

Onekama, MI

Rewards

Credit card:

Complaint: I made a number of purchases totaling close to {$20000.00} across XXXX Discover cards at XXXX and XXXX between XXXX XXXX and XXXX using Discover 's XXXX Pay promotion, which offered 10 % back on the first {$10000.00} spent on each of my XXXX Discover cards before the end of the year. Several weeks later, I received emails from Discover for each purchase, claiming that I must submit receipts for each purchase in order to prove that none of the items purchased were gift cards. There was nothing in the terms about needing to submit receipts, or that the burden of proof would be on me, rather than Discover, to ensure the purchases qualified for the promotion. Due to this, I did not save any receipts, and now will not be eligible for several thousand dollars in cashback that is rightfully due to me ( {$2000.00} per card ; the cashback on XXXX of the cards is doubled to {$4000.00} after 12 months ; a XXXX, concurrent Discover promotion ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-28

Larchmont, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-28

CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-27

Washington, DC

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-27

Hudson, OH

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-27

Portland, OR

Customer service / Customer relations

Credit card:

Complaint: I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-27

Westfield Ctr, OH

Late fee

Credit card:

Complaint: Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-27

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX/XXXX/15 I opened a Discover Bank Cashback Checking Account. The mailing that I received said that I would receive a {$100.00} bonus if 1. I opened the account between XXXX/XXXX/15 and XXXX/XXXX/15 using offer code " XXXX '' and 2. a minimum current balance of {$1000.00} must be met within 2 weeks of account funding. Furthermore it said that the bonus would be issued as a credit to my account WITHIN 30 days of completing all requirements. I complied with all of it when I opened the account. The rep specifically asked me for the offer code which I gave. I printed a confirmation of the account opening listing all the information ( Acct #, name, address, funding info, etc. ) which did not mention the {$100.00} bonus so I called and spoke to a rep named XXXX ( XXXX E.S.T. on XXXX/XXXX/15 ). I said nothing was mentioned on the confirmation about the {$100.00} bonus and she said that my account showed XXXX and nothing was printed on the confirmation because that offer was n't available to everyone. I have an email dated XX/XX/XXXX saying that they rec 'd my request that my bank transfer {$1000.00} as an opening deposit which would be credited to my account within 3 business days. Deposit was shown in the account on XX/XX/XXXX. Today being XX/XX/XXXX ( 30 days since XXXX had 31 days ) and my account did not show the {$100.00} bonus, I called ( XXXX ) and spoke to a supervisor named XXXX who said that the reason I did n't receive the {$100.00} was because my account was n't coded for the bonus. When I said that they had asked me for it and that I had called XXXX to confirm it, he said she ( XXXX ) thought I was talking about a different offer. XXXX chances to code the account and neither one was done correctly???? Do n't they record all these calls?? XXXX then said he would file a dispute with customer service but that would take 6-8 weeks to resolve! So, now I have to wait another XXXX weeks for their decision? AND leave the entire {$1000.00} there until then?
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-11-26

San Francisco, CA

Rewards

Credit card:

Complaint: Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-26

MI

Unsolicited issuance of credit card

Credit card:

Complaint: I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Indiantown, FL

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

E Somerville, MA

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-11-25

Bakerville, WI

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Winston Salem, NC

Customer service / Customer relations

Credit card:

Complaint: DISCOVER BANK MADE A HARD INQUIRE ON MY CREDIT TEPORT WITHOUT MY CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM DISCOVER
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Chula Vista, CA

Credit card protection / Debt protection

Credit card:

Complaint: XX/XX/2015Dear XXXX, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. However, Discover Card XXXX issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. Discover refused on XX/XX/2015 to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of XXXX. Since it is possible to have the normal and more secure raised numbers with the new chip XXXX ; I see no reason to accept either the XXXX or the discover card ; I think it is irresponsible to issue the flat credit cards that are more easily faked ; and can not be identified as real by a human being. I expect the CFPB to at least ask or direct XXXX and Discover to give customers or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use XXXX methods and not issue the flat credit cards at all. XXXX XXXX XXXX XXXX. XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

MN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Co Spgs, CO

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Tarzana, CA

Delinquent account

Credit card:

Complaint: I lost my credit card back in XXXX XXXX, 2015 and now there is a balance of $ XXXX and I would like to file dispute and cleaned up all the charges not belong to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-24

Hamburg, MN

Other

Credit card:

Complaint: We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.
Company Response: Closed with explanation

Disputed: No Timely Response