DISCOVER BANK

2015-11-23

Beaverton, OR

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-23

Dexter, KY

Transaction issue

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-23

Simi Valley, CA

Late fee

Credit card:

Complaint: I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-22

San Jose, CA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-21

Augusta, GA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

Charlotte, NC

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-20

OH

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-19

Garrett Park, MD

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-19

AL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: The trouble with these " FORMS '' is that the categories are NOT complete for every type of complaint. My complaint is with the DEBT CHARGING Tactics and DEBT Collection Tactics of Discover. This is NOT the first time this has happened and I am not convinced that it is accidental. I believe it is willful and an attempt to defraud ( mail fraud, wire, fraud, theft by deception-take your pick ). Discover will call if a payment has not been made on the exact date of the due date ( even if I paid in advance ). With these phone calls, they pressure to PAY in advance. I paid a payment of {$120.00} on XX/XX/XXXX ( online ). They phoned me two days later to complain that the payment amount was {$18.00} less than the minimum and that it was now late. So to avoid late charges, they wanted both the {$18.00} and the XX/XX/XXXX payment. I do n't remember agreeing to such transaction. However Discover states that I agreed and set up a future e-payment for XX/XX/XXXX. Now on today, XX/XX/XXXX, Discover called me to tell me that I was NOW late for the XX/XX/XXXX payment and that the " future '' payment that we set up XX/XX/XXXX had been returned. Ordinarily I would not have questioned this tactic because I thought Discover was a reputable company. However I knew there was some deception in that statement because I have money in the bank ( never a XXXX balance ) and I have " overdraft '' protection. So If any payment had been processed it would NOT have been returned by my bank as the Discover Agent was alledging. So to " correct this matter '', he attempted to collect the past due payment, late fees, returned check fees, and the XX/XX/XXXX payment. I explained that because there would have been NO REASON for my bank to return a payment, I refused to pay over the phone. I stated that I would rather investigate the matter and handle the payment after I have done a proper investigation. He then proceeded to tell me that they had a program to " reduce '' interest payments for 6 months or 12 months if I would just pay the {$260.00} amount Over the Phone today. -- -- - I did not trust Discover to get it right. I did n't understand how a " program '' to reduce interest rates could just arbirtrarily be reduced for 6 or 12 months at their discretion without some other condition. He explained that If I chose the 6 month program that interest would not be charged and neither could I use my card for future purchases for 6 months. Second complaint, I have NOTA made any " purchases '' with discover in over 12 months. My balance is primarily due to Transfer of other credit card balances to Discover and the Interest rate was supposed to be 5.9 % or less. Then I checked my statement and saw that I was being charged approximately 19 % interest for over $ XXXX in purchases. As I stated, I have not made any " purchases. '' -- - I believe their collection tactics are unethical. I believe their charging of EXCESSIVE interest is immoral. I also know that the recent fees of {$35.00} ( late ) and {$25.00} ( returned check ) is completely illegal as it is FRAUD. My bank statement is enclosed to show that there was NO Returned check at any time from XX/XX/XXXX through XX/XX/XXXX. The Discover represented admitted to me that they had made an " error '' in processing the payment for XX/XX/XXXX which they claimed we set up over the phone when I made the payment of {$18.00}. He claimed that they entered my account information incorrectly and it was NEVER processed to the bank. This is not the first time Discover has used this tactic and charged me for their ERROR. I want my fees for late fee and returned checks credited to my account. I want my interest rate reduced. I believe Discover has deliberately and fraudlently charged me for interest and fees that were in error and as a result guilty of usery.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-19

Kennewick, WA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Marvin, NC

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Huntley, IL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Lewisville, TX

Closing/Cancelling account

Credit card:

Complaint: Discover Bank closed XXXX my oldest credit line due to inactivity ( 24 months ) without providing any notice or warning! I received online their " decision '' on XX/XX/2015, but the card was closed XX/XX/2015. I was planning to make large purchase on it and now I am left with nothing. I have XXXX and I was not able to call them ; so instead I contacted their customer service online and asked them to reinstall the card, but they refused. I was told to reapply for credit again??
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

IL

Advertising and marketing

Credit card:

Complaint: I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

San Francisco, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Discover Bank admitted they made exactly XXXX attempt via letter, and XXXX attempt via phone -- at the exact same time no less -- before sending my account over to the XXXX of California via Escheat. I actually returned their letter with a Signature page to the exact address they provided -- within 3 days of receiving their letter. I kept a copy of the Sig page I returned to them XXXX attached ). I also received a statement from them from my account, in the mail, two months later. I never had a problem receiving quarterly statements via mail, and I did receive their letter dated XXXX 2014 and responded in Full. Over the entirety of my account with them, no personal information changed. No change in address or phone number. Despite all of this, and returning their letter to them within 3 days, they made no attempt to contact me to confirm anything, and sent my entire account -- my biggest savings account and XXXX I need access to -- over to the State. After only XXXX attempt via mail and XXXX attempt via phone -- at the exact same time ( What if I was traveling? Which I was n't ... ). I am losing interest accrued, and access to my biggest Savings Account for untold amount of time. It is inexcusable to do this to a customer given No change in circumstance and actually responding to their request.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Frenchville, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-18

Burlingame, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-18

Blackbird, DE

Rewards

Credit card:

Complaint: Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " 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. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

Gates, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-17

Chicago, IL

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

San Francisco, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

East Troy, WI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX XXXX XXXX, XXXX XXXXI am writing to you about a problem that I faced today. I have this problem, that could have been yours or Mr. Obama 's. Let me explain : Scenario 1. If # potus went to a store and bought apples for {$20.00} using cash. The very next minute he saw his spouse carrying apples that she just bought. He would go back to the cashier and return the apples and get the XXXX dollar bill. You 're with me - Right. Good now let 's seeScenario 2. If you go to a store and buy apples for {$20.00} using credit card. The very next minute you see your spouse carrying apples that he/she just bought. You go to the cashier and return the apples and get refund back on the card ( typically a receipt showing it was credited back to your credit card-right ), well then you throw that receipt and forget about it. You 're still with me - correct. FACT ~ if you log into your credit card account, you 'll see that you were charged {$20.00} ; but you 'll not see the refund amount for days and weeks & if it never got posted, you threw the receipt, do n't remember the amount, its date etc. its money gone into thin air. Someone pocketed it, you 'll never know or recall & you 'll end up paying the credit card company ( regardless of the actual situation ) till such time you do not get the credit from the vendor. I had this situation with XXXX XXXX XXXX on XXXX/XXXX/2015. They said they had refunded the wrongly charged amount of {$520.00} right away, but it is still not showing on Discover.com even as I write this article on XXXX/XXXX/2015 ( today being the XXXX day ). Here is a screen shot. I called Discover and they said it may take around 15 days and if you still do not get the credit then let us know. If you swipe you credit card at a store and simultaneously log into your credit card account on your smartphone or any smart device like XXXX, you 'll see that the CHARGED amount shows up in less than a minute, but the REFUND TAKES DAYS OR WEEKS. Something is fishy right here. What if you walk out of a store with a piece of paper showing the refund amount and then you lose that refund receipt & you did not get the credit back in your account? Money gone!! Bye Bye ... ... I have a return receipt of {$9.00} dated XXXX/XXXX/2015 from XXXX store XXXX. XXXX, printed at XXXX hours, by associate XXXX. XXXX, transaction number XXXX. I do n't see the refund amount on the credit card company website, whereas my understanding is that I was issued the refund right away as I returned the merchandise. Now - If I lose the refund receipt, I would not know the exact amount of the refund? How will I ever be able to claim a refund from an invoice that had XXXX items and XXXX item got refunded. Who is holding my money for 15 days and why? If the charge was posted on the last day of the billing cycle - I will have to pay the credit card company for merchandise that was returned and refund issued & if I do n't pay the entire amount to the credit card company, then I have to bear interest on short payment. Scenario 3. Ideally - If I swipe my credit card for {$20.00} & XXXX dollars shows up online as a debit or as a charge ( almost within a few seconds ) then return refund amount SHOULD SHOW UP dynamically too. The credit card company benefits and I can prove it. Consumers are being milked. I have to pay the money even when I did not buy the merchandise, was issued a refund. Now If I lost the refund receipt. I can forget that money. It 's not fair and # FTC should probe into it. XXXX is just a # whistleblower. I can get this issue fixed for all the credit card companies. # FTC should initiate action right away. XXXX has a solution to a MUCH BIGGER problem that # FTC and # XXXX is facing daily. Meet up with me and you 'll love the technologically advanced innovative solution I have for you - I am certain you 'll have a big smile on your face.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-17

NV

Rewards

Credit card:

Complaint: In XXXX, 2015, I began corresponding with Discover card services, through their online messaging center, about rebates I did not get for products purchased through their site forwarded to XXXX to get the rebate promised by Discover. I followed all of their protocols and there is NO way for a consumer to know if the rebates were paid for any specific item. There was a list of at least XXXX items I did not receive a rebate for. After my thoroughly documenting all the purchases, dates, numbers etc., they are still contesting many of them, and others they said 'were paid ' but I have no way of knowing what item it was. I feel they are not paying on the rebates legitimately earned.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-16

Discovery Bay, CA

Rewards

Credit card:

Complaint: Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion
Company Response: Closed with explanation

Disputed: Yes Timely Response