DISCOVER BANK

2015-08-12

Benicia, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-12

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Boyle Heights, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Allentown, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-12

Hamilton, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

Union City, CA

Problems caused by my funds being low

Bank account or service: Savings account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

Caro, MI

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Gloucester City, NJ

Unsolicited issuance of credit card

Credit card:

Complaint: For almost 10 years now I have been contacting and fighting with the credit bureaus as well as Discover Financial over an erroneous entry on my credit report. It is STILL listed on my account and never should have been in the first place. XXXX XXXX XXXX opened up an account with Discover Financial and without my knowledge or consent listed me as an authorized user on her account. I found this out several years ago and not only did I contact Discover, she did as well and I also submitted complaints to the XXXX credit bureaus. I again did this in 2011 when I discovered it on my credit history and to this day it has not been removed. To my knowledge it was never late, but it is an account affecting my credit and not one of these agencies has done anything to correct the error to this day.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

Pulaski, MS

Closing/Cancelling account

Credit card:

Complaint: I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-12

Saint Paul, MN

Billing disputes

Credit card:

Complaint: I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

Hinkley, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-11

Savannah, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. Dates and Times of the last XXXX calls : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX, XXXX. XXXX. XXXX. XXXX. XXXX. XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-11

Church Point, LA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

So Effingham, NH

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-08-11

Urbandale, IA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-11

Fresno, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In 2011 I hired XXXX XXXX as my caregiver followingsurgery. During the next 3 and a half years she systematicallyused all my credit cards and atm card for her benefit. Thousands have been stolen. I filed XXXX police reports. Nohelp. Am currently contacting the fraud dept. of all cards used. {$1700.00} has been returned. More to come. I had my bank autopay my bills while my XXXX was healing. I trusted her.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Macclenny, FL

Billing disputes

Credit card:

Complaint: I bought a software package using Discovercard. The software included XXXX mail-in rebates, which were advertised by the merchant. The transaction was therefore to purchase a product *and* XXXX checks ( which were to arrive at a later time ). XXXX of the checks was never sent. Discovercard refused to dispute the charge on the basis that the rebate is " between you and the merchant ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-09

Hinkley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

CA

Credit determination

Credit card:

Complaint: I went to the discover card website today to find out if I was pre-approved to apply for XXXX of their credit cards. I know that with this pre-approval, there is a soft inquiry, not a hard XXXX, and they collect information to view my credit report and it does n't affect my credit. I filled out my information as requested and the " Discover It '' credit card came up saying that I would be qualified for this card. I went ahead and applied for the credit card and after I clicked " submit '', they requested even more personal information which I filled out. Then after I clicked " submit '' again, a message came up saying that I needed to apply with someone else as I needed to submit a " joint application ''. I never stated that I wanted to submit a joint application or that I was applying with anyone else or had any interest in applying with anyone else. I stated that I, alone, wanted to apply. I then called customer service, new accounts, and spoke with a manager by the name of XXXX XXXX, ( this is the spelling of his name he gave me ) and explained the situation. He was trying to give me the wrong information by telling me that when someone fills out a " pre-approved '' form, that the credit is not checked or viewed at all. I then told/ him that I know how it works and that I have applied for other credit cards with other banks and they have even told me that they view the credit to let me know if they can offer me a credit card or not, and based on that, they either state which credit card I can apply for or state that they can not offer me a credit card at that time. I stated to him that he was giving me the wrong information so that it did not appear that the bank had made a mistake, but that this was exactly the case. The bank made a mistake. He kept repeating the same thing so I told him that I would be filing a complaint with the Consumer Financial Protection Bureau so that you guys knew what they were doing to consumers. I told him that I want them to delete the hard inquiry from my credit report and he refused. So I am filing this complaint to request your assistance so the bank can delete the hard inquiry which should have never been there on the first place, had they not given me the wrong information at the pre-approval screen stating that I could apply for the Discover It credit card.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Rochester, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: After XXXX payments totaling over {$35000.00} in interest on my Discover private student loan, my principal has only decreased by {$1500.00}. Please help!! They will not work with me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Lagrange, GA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Taft, OH

Closing/Cancelling account

Credit card:

Complaint: This is my second complaint about my closed Discover card in the past XXXX months. Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Lafayette Hl, PA

Advertising and marketing

Credit card:

Complaint: When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Millard, NE

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response