DISCOVER BANK

2015-07-31

Jefferson, NH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-31

Cherry Brook, MA

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Southern Pnes, NC

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Lowell, AR

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-31

Chester, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Bancroft Hall, MD

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Cary, NC

Delinquent account

Credit card:

Complaint: I am XXXX my husband is XXXX and we are going on XXXX years of marriage. At one time we had such good credit that we had too much credit and were considering filing bankruptcy but we have never walked away from our bills so we went into a debt settlement program in XXXX at a charge well over {$5000.00} with XXXX XXXX XXXX. XXXX XXXX Offices in XXXX took on XXXX accounts, XXXX of which were DISCOVER. DISCOVER agreed to the debt settlement program with XXXX Law Offices. In XXXX XXXX DISCOVER and their blood thirsty attorney XXXX filed a judgment against me ( XXXX {$12000.00} ) and a judgment against my husband ( XXXX {$15000.00} ). XXXX XXXX Offices created a reply document for each of us that we filed in the county we lived in as instructed. We were told to do nothing and wait and see?! In XXXX we went through a job LAY OFF and had to sell our home of 16 years through a " short sale '' to prevent foreclosure because the lenders refused to work with us even though our loans were current at the time?! We sold off everything we owned to make ends meet until we could find employment which meant relocating from XXXX.. I am XXXX because we had no insurance and no state agency or government agency was willing to help us?! We are XXXX Finding a job and renting was not easy with these XXXX judgments hanging over our heads. DISCOVER and their cut throat attorney XXXX Law Offices XXXX ruined that for us time and time again and it is still happening now?! In XXXX we went through another job LAY OFF and relocated from XXXX and once again the job and renting was an issue for us?! We have a letter from DISCOVER and the FDIC stating very clearly that no suits were ever filed against us on either DISCOVER XXXX XXXX ) account to date?! WHAT LIARS?! We have since contacted DISCOVER at XXXX XXXX XXXX their executive office but to no avail?! We will never own another home in our lifetime. DISCOVER has ruined our credit, job opportunityand rental opportunities to date on XXXX accounts that were charged off in XXXX XXXX?! My husband also served in the XXXX and is a veteran and this is how our so called " American dream '' ends. So a very adamant message to DISCOVER and their blood sucking attorney XXXX Law Offices unless these XXXX judgments are completely removed from all XXXX credit reporting agencies we will NEVER consider any type of debt settlement on these accounts to date and now we have no home they can attach?! How in the XXXX are we supposed to pay these blood sucking XXXX with no job or place to live?! Hey, we need transportation to get to work as well. Another thing ruined by DISCOVER and DOMINION Law Offices?! If they are unwilling to comply with our REQUEST to remove these XXXX judgments in an expedient manner they can remain untilwe die and DISCOVER and their blood sucking attorney XXXX Law Offices will get ZERO XXXX )?! It is a shame in a great nation like ours where my husband served in the military and is getting XXXX over by these unfeeling and uncaring blood suckers over accounts charged off in XXXX XXXX that we can not get a second chance to survive. Welive pay day to pay day. I am not in good health. We have not had the good fortune to win a lottery and our ship has sunk. Until someone in authority STOPS this from happening to hard working American citizens we will never be a great nation again. We have filed complaint after complaint and will continue to do so until someone hears usand STOPS DISCOVER and XXXX Law Offices from continuing to ruin our credit and making our lives miserable with their unwillingness to be cooperative, but DISCOVER is great at LYING, we have written proof of that?! We have written to the XXXX Attorney General, Senators and even our current President but to no avail, no one cares?!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-31

Saint Louis, MO

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-30

Baltimore, MD

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Brooklyn, NY

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-30

Knickerbocker, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Piscataway, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

N Milford, NJ

Customer service / Customer relations

Credit card:

Complaint: I have changed my legal name, was trying to change it on Discover Credit Card. Customer Service person provided fax number to fax and mentioned it will take 5 -7 business days. I have faxed and did n't get the card after 2 weeks, so called customer service they mentioned no fax received and asked to send fax again. I again faxed and called customer service and they mentioned they are in no way confirm if they received the fax. asked for supervisor and supervisor called my after 24 hours and mentioned the same they ca n't confirm if they received the fax. So wondering if information provided over fax are secure and if my information is mishandled. its been 4 weeks so far no response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

E Watertown, MA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Boise, ID

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Newnan, GA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-29

Myrtle Beach, SC

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-29

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-29

Wonder Lake, IL

APR or interest rate

Credit card:

Complaint: About a month ago, I changed the due date of my Discover card. I am enrolled in Discover 's automatic payment program, and on XXXX/XXXX/15, Discover scheduled the automatic payment of the {$3.00} minimum payment, which Discover showed cleared my bank. However, because apparently Discover decided to withdraw this payment XXXX days after the bill 's due date, they decided to announce a penalty increase of my interest rate, as well as threaten decrease in my " creditworthiness. '' Resultingly, they removed my promotional option to make no-fee 12-month 5 % APR balance transfers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-28

Desoto, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-28

Minneapolis, MN

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-28

Canton, OH

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

2015-07-28

Southern Pnes, NC

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Allegheny, PA

Rewards

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-27

Brooklyn, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: Yes Timely Response