DISCOVER BANK

2015-11-04

Rockledge, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Wonder Lake, IL

APR or interest rate

Credit card:

Complaint: I have been a Discover credit card member since 2005. Several years ago, I used the card to purchase home improvement material. The monthly payments were being made on time. However, after making payments for some time, Discover representative informed me that the low promotional interest rate would now change to higher interest rate. While I tried to explain this promotional rate should remain, they would not hear of it and raised my rate to around 9 %. After another year of making on time payments, Discovered called again and raised the interest rate a second time to around 16 %. I objected to raising the rate on purchases that were initially made on a low promotional rate offer. In addition, for no reason provided, Discover significantly reduced my limits on the card to the balance remaining further preventing me to purchase on the card. I continued to make on time payments, and once again Discover reduced the limit to balance remaining. This practice of reducing limits continued as the principal was paid down. I objected that if I am making on time payments at higher rates and never late, why the reduction in credit limit. The bank stated that this was their normal practice based on review of my credit card statement. Again, I had no choice but to continue to make monthly payments on a higher interest rate. Finally as recently as a year ago, the rate was once again raised to 21 % and the credit limit was once again reduced. I believe the bank is illegally changing terms in the middle of the contract and continuing to raise interest rate higher than those offered by competing banks. Also, Discover continues to reduce my credit card limit although payments are always made on time. This is not a fair bank practice and in my opinion illegal. A loyal customers like myself who has been with this bank since 2005 should not be taken advantage of and who has demonstrated good on time payment history. Because the bank unreasonably increased my rates several times and reduced my limit several times, these actions by Discover has placed undue hardship on me and my family, taken advantage of my financial situation, and in my opinion is an illegal practice.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-03

Falls Church, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-03

Greenwd, IN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Blackbird, DE

Rewards

Credit card:

Complaint: Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Santa Ysabel, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Mount Pleasant, MI

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-02

Scranton, PA

Taking/threatening an illegal action

Debt collection: Credit card

Sued where didn't live/sign for debt
Complaint: In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-01

Katonah, NY

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-31

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-31

Richmond, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-31

Rehoboth Bch, DE

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-30

Biron, WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-30

TX

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: I applied to Discover personal loans for an installment loan in order to consolidate multiple balances into one place. By any objective criteria, I would have been approved for the loan - DTI, credit score, etc. I provided all of my personal information to Discover ( which they had on file, since I have had a credit card with them for 2.5-3 years ). When I called back to Discover, they told me they denied me because I had no credit history. Due to their incorrect information, I was not able to get an appropriate loan. I have lost a significant amount of money paying interest charges, and if I apply now, I may not receive an interest rate that will assist me in making payments. I am unsure why Discover thought I had no credit history, but I have a long and strong credit history.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Cordova, TN

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Main Office, VA

Money was not available when promised

Money transfers: International money transfer

Complaint: I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-30

Quartzsite, AZ

Billing disputes

Credit card:

Complaint: RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-30

Burlingame, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Quartzsite, AZ

Billing statement

Credit card:

Complaint: I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-29

Grand Prairie, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Highland Park, IL

Customer service/Customer relations

Other financial service: Debt settlement

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Fort Myers, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Atl, GA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-29

Flanders, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Haverhill, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response