DISCOVER BANK

2015-10-20

Coconut Creek, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Lk Buena Vis, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-20

Laguna Beach, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Tulsa, OK

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Simi Valley, CA

Other fee

Credit card:

Complaint: I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. 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

2015-10-20

Santa Ysabel, CA

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Pasadena, CA

Delinquent account

Credit card:

Complaint: Between XX/XX/XXXX and XX/XX/XXXX, I worked a totally of four months. I was struggling to find a job and took what temp assignments I could get. I made every effort to continue to pay my discover credit card. However, when my unemployment extension ended, I was forced to drastically lower my monthly payments to {$5.00} or {$10.00} a month. Discover cashed those checks. I found work, though I am still struggling, because I am the only one in my household working ( my mom 's unemployment ran out ), I continue to pay Discover. Recently, they threaten me with a summons from a lawyer in XXXX, because Discover wants more money than I can afford to pay. This lawyer recently served me with a summons, threaten to garnish my wages and charge me legal fees. I am paying Discover, my checks are being cashed, yet they still retained an Attorney to sue me? This is unfair and is now on my credit report. I have made every effort to pay them, but I am poor and working and Discover demands something that I do not have. Please advise if you can help me or how I can help myself. They are still cashing my checks with this summons that was served for the amount of {$2500.00} that owe to Discover.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-19

Baltimore, MD

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-18

Kingston, TN

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-17

Dallas, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-17

Philadelphia, PA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-17

Jax, MS

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I received a bill from XXXX XXXX XXXX XXXX at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from Discover where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-17

Artesia, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-17

Bedford, TX

Transaction issue

Credit card:

Complaint: Discover will not consider a credit card dispute fairly. They have blindly accepted the merchant 's perspective without listening to my narrative or side. Additionally, despite being provided evidence and a statement that the charge was not authorized, they refuse to charge it back to the merchant. The transaction I am disputing involves a product not delivered. Under the Fair Credit Billing Act, I am entitled to a full credit in this event. Discover refuses to issue this credit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-17

IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: In continuation of case XXXX [ remove before publishing ] : Discover Student Loans is continuing to report each scheduled and agreed-to auto-draft payment I make to them as a " missed payment '' to the credit bureaus. This dramatically damages me as a consumer since my credit scores are significantly impacted by " percentage of on time payments '' in my credit history. Discover Student Loan 's " missed payments '' appear as the sole negative activities on my credit history since my bankruptcy was discharged, and represent to inquirers proof that whatever money management issues they speculate me to have had before the bankruptcy, continue into the present day. This is factually false as a " missed payment '' is defined as a payment that was never made by the consumer despite an agreement between the parties to make it. It is also damaging that each payment I make on time actually hurts my credit history more. This is the first problem. Discover defends this reporting on the technicality that because I declared bankruptcy while the loans were with XXXX, the loans automatically enter " charge-off '' status under XXXX before they were sold to Discover, and that each payment is then considered simply a reduction in the delinquent amount, regardless if the account had ever been delinquent or not. The loans are already reported as " charge-off '' by XXXX however. This means that each of these loans is reported on my credit twice as charged off, damaging my score twice for only XXXX charge-off account as if XXXX account was charged off by XXXX and another by Discover student loans. This is the second problem. Ever since Discover acquired the loans however, I have made each payment " as agreed '' by its very definition- payment arrangements were made between myself and Discover upon acquisition, successfully drafted each month, and the agreements were renewed annually. Therefore, the accounts with Discover should show as " Paid as Agreed '' and the accounts should only show as " charged off '' by XXXX who were the only lenders to charge the debts off. Just today I made ahead-of-schedule arrangements to pay off the remaining balances in full, and the final payment to XXXX account. However I was told that even these ahead-of-schedule payments to pay off the accounts in full will only add to the number of so-called " missed payments '' on my credit report. While eliminating delinquent debt which reflects well on me to one who reviews my history closely, my face-value credit score will actually suffer a worse punishment for these early payments by adding to the number and increasing the percentage of so-called " missed '' or " late payments '' even though they are pre-paying the debt to XXXX the balance completely. Furthermore, these credit agencies show that the charge-off date is updated each month by Discover student loans to be the last date of update. This then shows that each month the loans are charged off not just through the updated " charge-off '' date, but also through an illustration of monthly payment history which lists each month as the account being " charged off. '' This is the third problem. My only request is that these payments to Discover student loans and the accounts they hold are reported by them factually correct. That means that the payments which were all made as scheduled without error be labeled as " on-time '' and that the accounts are marked as " Paid as agreed '' until the final payments I arranged today are processed. At that time the accounts should be labeled as " PAID IN FULL '' and every payment preceding them should be shown as " on time. " Industry labeling practice technicalities are no excuse for factual misrepresentations of myself, my payments, my financial agreements, and my ability to keep those agreements. Such misrepresentations damage me significantly.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

Audubon, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-16

NM

Other

Credit card:

Complaint: Most recent credit report that I reviewed revealed a derogatory account that was never previously reported. The disputed account is a Discover Account that was opened by my Ex-Wife after we were divorced. I also have a Discover Account with similar terms that is in my name only and opened about the same time frame about 10 years ago. For all of the time since these XXXX separate accounts were established, only my own individual account appeared on my credit report which I have paid on time, every time - only after her account went bad did they attach her account to my report. I was never listed as an authorized signer on her account. About a month ago, Discover sent me a new card and oddly enough they included a card in her name which should have alerted me to their under handed attempt to join both of our accounts retroactively. It was only after I saw my updated credit report, when I notices that they suddenly added her bad account to my credit, that it dawned on me that they were attempting to link XXXX of our accounts - purely as a punitive action against her for her apparent default on her own separate account.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-16

CA

Forbearance / Workout plans

Credit card:

Complaint: My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-16

Maplewood, MN

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-15

Harvester, MO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Euclid, OH

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Rochester, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

San Jose, CA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-15

NY

Billing statement

Credit card:

Complaint: There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-15

NY

Billing disputes

Credit card:

Complaint: Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.
Company Response: Closed with explanation

Disputed: Yes Timely Response