DISCOVER BANK

2015-09-30

Karlstad, MN

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-30

Jacksonville, FL

Billing disputes

Credit card:

Complaint: In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-30

Beaver Lake, PA

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

2015-09-29

Randolph, MN

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-29

Federal Way, WA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-29

Las Vegas, NV

Late fee

Credit card:

Complaint: Discover Card has a period between the due date on the XXXX of the month and the end of the billing cycle on the XXXX where they will charge a late fee on the card, but they do not credit the payment towards the next month. If your payment arrives on the XXXX of the month you are charged a {$35.00} late fee, but they do not credit you towards the next month 's billing cycle. If you pay the XXXX on the following month you get another late fee because the payment from the previous month is not on the new month and the payment is considered late again. This will continue to happen until you make a payment after the XXXX!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Garden City P, NY

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

NY

Credit card protection / Debt protection

Credit card:

Complaint: I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-28

Delray Beach, FL

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-27

Santa Rsa Bch, FL

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-27

Brooklyn, NY

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-26

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX was collecting a debt for Discover card but it was settled years ago. They pulled my credit report without permission, and long after settlement. They told me on the phone that I have no other account with them. IT IS ILLEGAL FOR XXXX TO HAVE PULLED MY CREDIT REPORT WITHOUT PERMISSION ON XXXX/XXXX/XXXX. 6. Defendant XXXX XXXX XXXX, XXXX. ( " Defendant '' ) is an entity duly licensed toconduct business in the state of Florida. 7. Upon information and good-faith belief, Defendant 's principal place of businessis located at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL XXXX. 8. Defendant uses a means or facility of interstate commerce for the purpose offurnishing information to consumer reporting agencies. 9. Defendant is a " person '' as defined by 15 U.S.C. 1681a ( b ). THE FAIR CREDIT REPORTING ACT10. The FCRA was enacted by Congress to ensure fair and accurate credit reporting, promote efficiency in the banking system, and to protect consumer privacy. See XXXX. v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ). 11. To further purpose of protecting consumer privacy, the FCRA requires thatconsumer reporting agencies ( " CRA '' ) may only furnish a report regarding a consumer to aperson who has a " permissible purpose '' to use that consumer 's report. See 15 U.S.C. 1681b ( a ) - ( b ). 12. A permissible purpose exists where a person " intends to use the information inconnection with a credit transaction involving the consumer on whom the information is to befurnished and involving the extension of credit to ... the consumer. '' 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 13. Obtaining a consumer report is colloquially known as " pulling '' a consumer'scredit report. 14. In contrast to a " soft '' pull of an individual 's consumer report, which does notaffect the consumer 's credit score, " a 'hard pull ' involves accessing a credit report for thepurpose of issuing new credit or increasing the amount of existing credit. These inquiries can beXXXXseen by potential creditors and can impact a consumer 's credit score. '' XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, fn. XXXX ( XXXX XXXX. XXXX ) reconsideration denied, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 15. Thus, limiting access to consumer reports and prohibiting persons from obtainingconsumer reports without a permissible purpose not only promotes consumer privacy, but it alsopromotes congressional intent of promoting a fair credit reporting system, as it gives consumersa greater ability to manage their credit scores. FACTUAL ALLEGATIONS16. In an effort to collect an alleged debt, Defendant filed a state court action againstPlaintiff on XXXX XXXX, XXXX. 17. On XXXX XXXX, XXXX, Plaintiff called Defendant and agreed to settle the debt over aperiod of six months. 18. The account was settled in full on XXXX XXXX, XXXX. 19. On XXXX XXXX, XXXX, Defendant filed a notice of voluntary dismissal withprejudice in the state court action. 20. On XXXX XXXX, XXXX, Defendant requested and obtained a copy of Plaintiff'sExperian consumer report. 21. Plaintiff did not provide Defendant with permission to access his consumer report. 22. Upon information and belief, Defendant knowingly and intentionally obtainedPlaintiff 's consumer report. 23. Upon information and belief, Defendant knowingly and willfully obtained aconsumer report for Plaintiff without a permissible basis. XXXX XXXX U.S.C. 1681b ( f ) ( 1 ) 24. Plaintiff repeats and re-alleges each and every allegation contained in XXXX through XXXX and XXXX through XXXX. 25. Defendant violated 15 U.S.C. 1681b ( f ) ( 1 ) by using or obtaining a consumerreport for any purpose unless the consumer report is obtained for a purpose for which theconsumer report is authorized to be furnished..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-26

VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was married in XXXX and became a auth user on my mother inlaws discover card. she passed away in XXXX XXXX I called discover and told them what had happened and they told me that I would have to pay any balance that I had after her PASSING and that I was not responsible for any thing before that time because I was just and auth user, so I paid what I had to and contacted them to let them know that my part was paid. they started sending me statements and said that I had agreed to take the acct over and I told them NO I did not. So they were sending me treating notices so I took it to my lawyer and he contacted them anf told them to send him info were I signed to agree to take over the acct. They were unable to do that and he told them that the acct was not mine and to remove it from my credit report they did not. they said they sent all info to there lawyer and that the investigation was complete and that I owed it but they never sent me nor my lawyer anything.. The card was opened in XXXX and I was not living at this address nor was I married to my mother inlaws son nor even knew him. recently I got my XXXX credit report and it shows that I used the card in XXXX, XXXX, and I did n't even know my previous husband at the time. to me this is fraud.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-09-26

Foothill Ranch, CA

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: What the Defendant as surmised of this case and the way it was mishandled is as follows : Plaintiff and Discover Bank acquired Defendants XXXX mailing address from credit card report, XXXX, without prior permission and tried to use it as evidence of Defendants residency. Defendant received a summons addressed to XXXX XXXX XXXX, XXXX to appear in this Court on XXXX XXXX, 2014. Defendant answers the summons on XXXX XXXX, 2014 that stated he resides in the State of XXXX, and would be unable to attend the hearing, due to employment obligations. Defendant receives another summons addressed to the XXXX address to appear in Court on XXXX XXXX, 2014 at the request of Plaintiff, without giving an option to Defendant 's circumstances. Plaintiff supplied numerous Discover Card Statements and a copy of the Contract prior to XXXX XXXX, 2014, to the Defendant and the Court for viewing as evidence. Defendant discovered that the documents had been altered to show the appearance that the Defendant had been receiving these statements in XXXX. Defendant has never received any Bank statement documents from Discover Bank at a XXXX address. Defendant has supplied the Court with factual evidence to proof his XXXX residency. To prove that the Plaintiff has filed in the wrong judicial jurisdiction, and case must be dismissed. Defendant on XXXX XXXX, 2014 notified the Court and the Plaintiff that the Defendant would not be able to appear on the XXXX XXXX date, due to his XXXX employment obligations. The filing returned address was my XXXX. Well the case was heard on XXXX XXXX, 2014, without the presence of the Defendant. The Plaintiff had prepared an Order Judgment document for the Judge to sign at the hearing, and through some persuasion his wishes were granted. Along knowing that he had won the case without having to argue against a Defendant objection. WHY WAS THIS CASE HEARD, without giving consideration to a Defendant rights to present some defense. When everyone knew the Defendant was not going to be present. What type of " Dog and Pony '' show was this hearing? Defendant has submitted several requests to have this Case Vacated, based on the facts ; that ALL the evidence brought to this Court by the Plaintiff and client Discover Card Bank is false. This was just a clever, disrespectful and unlawful attempt to try and show that the Defendant resides in XXXX XXXXThe Defendant after receiving the shocking notice of Summary Judgment several months later as it was sent to XXXX XXXX XXXX XXXX, XXXX and then forwarded to Defendants legal residency address in XXXX. Defendant filed a Dismissal request with the Court and the Plaintiff in XXXX 2014 with a return address receipt showing his XXXX address. IF the Defendant is to be held contractually obligated with the Discover Bank Card Contract and all its contents that the Plaintiff presented to the Court as evidence. If So ; then the whole contract has to be recognized, not just bits and pieces. The Plaintiff should be obligated to follow the Contract agreement under " Arbitration and Hearings '' and propose a means of arbitration and possible mutual settlement. At no time during these proceedings has Arbitration been presented to the Defendant by the Plaintiff or its client Discover Bank. Violation of Discover Bank 's contract with Defendant. Plaintiff should consider their decision for Dismissal as they did in Case XXXX, XXXX XXXX XXXX. XXXX, when it became perfectly clear that I was not a XXXX resident, and you were filing in the wrong jurisdiction. Defendant is returning to XXXX residence.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-26

FL

Billing disputes

Credit card:

Complaint: I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. I guess from their perspective they want money no matter how they can get it. Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Laurel Hollow, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-25

Potomac, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Waterford, PA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

NY

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Chicago, IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-25

Mem, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-09-24

Tubac, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Fairfax, VA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Bethesda, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Potomac, MD

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response