DISCOVER BANK

2015-10-08

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Oxnard, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

New Rochelle, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Ellison Bay, WI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Wallington, NJ

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-08

Happy Valley, OR

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-08

Weston, CT

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-08

Federal Way, WA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-07

Browns Mills, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Richmond, TX

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Lb, CA

Closing/Cancelling account

Credit card:

Complaint: After being a Discover Card holder for more than a decade, I received an email dated XXXX XXXX, 2015 stating that, " As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason XXXX XXXX ) : Inactivity on your account XXXX XXXX ). " The letter states that should I have any questions regarding the actions taken on XXXX my ] account to contact Discover at XXXX. Upon receiving the email, I contacted Discover and was told by the CSR and her supervisor that my account -- contrary to what the email stated -- had already been closed. " Why, '' I asked, " would you have already closed my account when I had just today received a notice from you telling me that the account would be closed within 30 days from the date of the letter? Why even send the letter if the account was already closed and there is 'nothing you can do about it '? " It is my contention that this was a punitive action on the part of Discover as " maintaining '' a zero balance account in a computer database costs them nothing. For my part, I communicated to Discover that the elimination of my zero balance against a credit limit of {$10000.00} would adversely affect my credit rating and that this was unacceptable. I was then informed that I was welcome to apply for a NEW account and that my credit report would be pulled for a new line of credit with Discover. I told Discover that this too was unacceptable as an unwanted credit inquiry can also negatively affect my credit rating. Time and time again I was told that " there was nothing they can do '' and " that I have no other options. " I informed Discover that the reason for my inactivity was because -- after contacting Discover on numerous occasions -- they refused to lower my interest rate from an egregiously high XXXX percent. I have a current FICO score of XXXX and, knowing that I was receiving much, much lower rates on my remaining XXXX card, chose simply not to use my Discover card until such a time that Discover lowered my interest rate to one that more accurately reflected my creditworthiness. Ultimately, Discover has made a unilateral decision -- based not on my creditworthiness, delinquency or any act on my part -- that has the absolute potential to adversely affect my:1 ) Existing credit rating ; 2 ) The interest rate ( s ) that I am being charged for my existing credit, and ; 3 ) My ability to obtain credit in the future. Discover is in effect blackmailing me use their card when it is my prerogative not to do so ; and furthermore insisting that if I do acquiesce to their demand, that I pay an exorbitant interest rate to do so. I have informed them directly that I will be filing a complaint with this Bureau and will be pursuing legal action against the regarding this matter. It is my intention to have my account reinstated and that my hard-earned credit rating remain unaffected, completely whole and in tact.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-07

Danville, VA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

OK

Billing statement

Credit card:

Complaint: Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-07

Arsenal, PA

Credit card protection / Debt protection

Credit card:

Complaint: XXXX XXXX ( XXXX ) XXXX, finance manager from XXXX spoke with me back on XXXX XXXX, 2015. XXXX XXXX explained that as a finance manager he could help me to consolidate credit card debts into XXXX card with zero interest for a 48 months. I was agreeing with this until on XXXX XXXX, 2015, I received a telephone call questioning an overseas purchase for {$1900.00}. I immediately reported no to the question and thanked the person. As I began to think about the telephone call. XXXX XXXX telephone to ask about why I denied the purchase. I reported to XXXX XXXX that I was not in the habit of dealing with overseas merchant purchase. I was no longer interested in continuing this credit consolidation. Especially now that I was going to have increase of XXXX additional credit cards. When I only had XXXX credit cards. With a higher interest for only 12 month of zero interest. I was now feeling that XXXX XXXX was not forthright and honest with me about this whole transaction. On XXXX XXXX, 2015, I telephoned XXXX XXXX credit Card Company to report that fraud was occurring around a debt consolidation. XXXX XXXX reported that account opened in my name would be closed. Preventing any balance transfer to transpire in my name or account. Then I telephoned Discover Credit Card Company on, XXXX XXXX, 2015. XXXX XXXX told me that would close the account at once. Discover ( XXXX XXXX ) told me the transaction would not be processed. Next I was transferred to the fraud department again assured the transaction would not be processed. Then XXXX XXXX transferred my call to the department fraud is now being investigated. Then I began to receive suspicious telephone calls about what is my Discover credit card number for verification from a person that said her name was. XXXX. This was a follow up courtesy call for me. Since I have been a customer in good standing. Upon finishing the call, I made a follow up call back to Discover. I asked if this was a policy. The answer was no. Also I asked if there was zero interest for 46 months. The answer was no. It was again confirmed to me the fraud was under investigation. On XXXX XXXX, 2015, XXXX XXXX telephone to report to me that this was not a fraud but a scam. I do owe the balance on the Discover credit card. I requested the credit card account number. XXXX XXXX reported that he was not at liberty to tell me. Then I stated to XXXX XXXX that scams or not consider fraud & legal by Discover. XXXX XXXX reported this is not fraud only a scam. I ended the telephone call. Then made a follow up to call customer service ( spoke with XXXX XXXX ) from Discover. This telephone call I requested a copy of the XX/XX/XXXX statement as well as all statements. When was the new credit card sent to my address? The replacement card was sent back on XXXX XXXX, 2015, as was the statement. Then I asked more importantly where is the credit card itself, now? There was not response given to me. Now I am wanting written understand why now Discover is reporting to me that this is a scam not fraud? How Discover interprets a scam as not a part of fraud? How is it that Discover would appear to sanction a scam to transact a partial balance transfer in order to sanction several credit card accounts to XXXX individual without ensure the individual has prior written knowledge of Discover plan of action. When I reported to Discover Credit card Company of my suspicions around miss leading information given to me. With my verbal request not to follow through with any transactions from Credit Card Services or XXXX XXXX XXXX. I would requesting the following from Discover : All accounts in my name combined into XXXX single new account ; the new account balance of only {$6100.00} ( the amount transferred ) at a 0 interest for the existence of the balance pay off or for a time frame of 24 to 36 months.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-07

Brownstown, IL

Billing disputes

Credit card:

Complaint: I was either solicited via phone or contacted through online ad. I 'm not sure how I got in contact with the corporation originally, but the first thing they offered to do for me was to write a Business plan including the following : 1 ) A company summary including a description of my business, 2 ) Provide a target marketing strategy - with industry association analysis - and help with product selection ; and demographics ; 3 ) Provide a break even analysis. They would also provide a financial plan. This was all included in the initial charge of {$6600.00} on XX/XX/XXXX.The marketing plan was to include product selection and marketing techniques - including search engine optimization and social networking. The next charges for {$1900.00} and {$2600.00} on XX/XX/XXXX was to be for building the website and providing legal and tax planning.. It was very confusing because I had thought the original charge was to be for building a website. Why would I need the marketing strategy, etc ... If I did not have a website. Since I had already invested the {$6600.00} and had no website, I went ahead with these additional charges. After this it seemed like every week they were calling and saying I had to do something else in order to have a successful site. The next XXXX charges incurred were {$4200.00}, {$3200.00}, and {$890.00} on XX/XX/XXXX. These charges would be for planning, consulting, and product research. They would provide a credit coach that would help me get all expenses into a business loan instead of my personal credit. They would help with creating the XXXX and would be the registered agent for the XXXX. They were to also create a logo that would help with branding of my business. The next week they called and wanted an additional amount of {$5200.00} on XX/XX/XXXX. This was to provide traffic to my website - including banner ads and domain referral. It was based on my choice of how many visitors I wanted a month and I chose XXXX guaranteed visitors a month for a year. They would also provide website security for my customers and include a consumer trust shield on my website. They also created a merchant account for which I started paying monthly fees. On XX/XX/XXXX they called again saying I needed a preferred pricing website. They were wanting {$1300.00} for this. I paid {$300.00} for this, plus a {$390.00} merchant application fee, and financed the rest for an additional $ XXXX for XXXX payments beginning on XXXX XXXX. On XX/XX/XXXX I was again charged {$600.00} for upfront monthly fees and financed an additional amount with XXXX XXXX. I think this was for a " XXXX XXXX XXXX '' to show me which products were selling good. I 'm not sure what the remaining XXXX charges of {$4900.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX were even for. Here I am weeks later, and to my knowledge I still do n't have any income that is residual. They mentioned that my account is active, but I NEVER EVEN put anything on it or seen it. As it turns out this Merchant is in direct contact with XXXX ONLINE. My credit card company states they will not refund my money because it is outside of the XXXX time frame required for a billing dispute, under federal law. Please advise them Under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a credit promptly. PLEASE HELP US! Thank you, XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-06

Dallas, TX

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Discover Card had, at XXXX time, authorization to withdraw payments from my checking account. In XXXX of 2015, I asked them to stop withdrawing their payments from my checking account. They continued to do so. I placed a block on my account so that they could not continue to withdraw funds from my account, and they created " dummy '' checks and continue to withdraw money. I changed my bank account information and they somehow found out my new account and withdrew money again,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-06

Austin, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Jamaica, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-04

Hartford, AR

Other

Credit card:

Complaint: I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-04

Rockford, IL

Delinquent account

Credit card:

Complaint: I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. They know what they are doing is wrong and they still continue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Orlando, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Kawaihae, HI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This complaint is instructed by the local police department 's prosecuting attorney to address the meritless and slanderous accusations of Discover Financial Services , Inc regarding the Fraudulent Usage of Credit Card belonging to me and my husband. On XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in 2015, more than XXXX fraudulent charges were made using us discover card. There were three types of fraudulent attempts : 1 ) Successful charges 2 ) Declined Charges 3 ) Pending Charges. Of those charges, there were XXXX successful charges made on XXXX XXXX in the amount of {$5100.00}, XXXX XXXX in the amount of {$4800.00}, and XXXX XXXX in the amount of {$2600.00} of which all were made to an online merchant called XXXX, a precious metal company. There were also XXXX declined charges made. On XXXX XXXX in the amount of {$3900.00} were made with XXXX and on XXXX XXXX in the amount of {$1300.00} were made with XXXX, an online electronics merchant. Also, other pending charges were also observed in Discover.com 's online banking system when the fraudulent usages were reported on XXXX XXXX, 2015. Discover claims that they are unable to retrieve such records as they do not keep records for more than 60 days. Discover through their investigation efforts claims that my husband is responsible for the XXXX successful charges made. Their assumption is based on several conditions : they claim 1 ) The items purchased were gold bars and it was shipped to our home address. 2 ) My husband signed for the packages. 3 ) The IP address used to purchase this was from our home. 4 ) My husband 's personal information is impossible to be obtained. In XXXX, Discover had forced us to pay for the XXXX charges and they reversed the charges shortly after. However, they held on to the {$12000.00} for about 4 weeks before refunding it back to account on XXXX XXXX. Discover asked us to file a police report in XXXX. We contacted the police and was told that the final victim is Discover or merchant, thus they need to file the police report and we can be witnesses. Shortly after, we received a letter in the mail stating that the case is closed. Not until late XXXX, we heard from Discover in the form of a voice mail and then we learned that they had reversed the charges that held us responsible for the charges. My husband made multiple attempts on behalf of us and was responded with rude and evasive customer service from Discover 's fraud investigative team. The lead investigator in charge is XXXX XXXX in the XXXX department that played a major role of accusing my husband as the perpetrator of those XXXX charges. XXXX has been evasive and untruthful in the representation of facts that were presented to her by the merchant XXXX. In a telephone call made by the police department detective after we had file the police report with the local station, Discover fraud department claims that the XXXX provided the IP addresses XXXX and XXXX to them and Discover claims that it belonged to us. IT DOES NOT BELONG TO US as it surprisingly belongs to someone in XXXX, AZ. We had attempted to ask Discover for the information of the declined charges and pending charges but Discover repeated claims they have no records of those and would only focus solely on the charges that Discover and/or the merchant is financially responsible for. In addition, we had asked the merchant for information but the merchant cites ongoing investigation and refuses to provide information to us as well. Moreover, nobody in the household had signed for the packages sent to our house but Discover claims that my husband had signed for the packages without merit or irrefutable proof. The most ridicule reasoning provided by XXXX is that she claims that my husband 's information can not be found anywhere thus it had to be him who ordered these items without any supporting evidences.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Warren, RI

Other

Credit card:

Complaint: I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-02

Mt Pisgah, IN

Closing/Cancelling account

Credit card:

Complaint: Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. Please help me to figure out how to pay this bill and protect my credit rating.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Union City, CA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response