DISCOVER BANK

2015-07-13

Jupiter, FL

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-13

Saxton, PA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-12

San Antonio, TX

Billing statement

Credit card:

Complaint: I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-11

Colts Neck, NJ

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

2015-07-11

North Hollywood, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-11

Cliffwood Bch, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-11

Garrett Park, MD

Payoff process

Credit card:

Complaint: I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-11

Scottsdale, AZ

Other

Credit card:

Complaint: This is the XXXX time i am going thru with Discover Credit card. I had used discover credit card to buy the mobile app for my kid and it was installed on tablet. My kid who is just XXXX yrs old tried to purchase some more apps on his own and he was able to do it successfully without the authorization of anybody ( like me ) who is at least XXXX or XXXX years of age. When i noticed the charges - it was bit late. Called Discover - they simply closed the account and issued me a new/replacement card ( coming in around 6 business days ). Later called XXXX support to remove the charges. Discover could have very well blocked those transactions all coming from XXXX but they decided the hard stop. All my legitimate transactions ( which i already told to Discover customer service and Fraud department ) are also impacted now which requires great deal of time and efforts from my side to make it thru. Finally i need to talk to XXXX customer service and revised my payment method so that the order can go thru. Has it been the case that Discover resolves these issues properly - one does n't has to go thru all this. For any online retailer -when they store the credit card - these attributes are required:1 ) Card account # 2 ) XXXX date3 ) Billing zip code4 ) CVC/CID - XXXX or XXXX digit # on the credit card. Why discover does n't stop XXXX or some other online retailer to save everything so that these kind of purchases are being challenged and users are asked to enter CVC/CID # at least? This is a major security flaw in terms of how XXXX and Discover are working and great concern to parents like me. This is the XXXX or XXXX time with me that i am victim of fraud with Discover card during the last 4 yrs itself.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-11

OH

Balance transfer

Credit card:

Complaint: I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Glen Burnie, MD

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Alex City, AL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Oswego, IL

Balance transfer fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-10

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-10

VT

Balance transfer

Credit card:

Complaint: In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-10

Overland, KS

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Bellaire, TX

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Rehoboth Bch, DE

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Albany, NY

Credit card protection / Debt protection

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-09

Cary, NC

Other

Credit card:

Complaint: XXXX went into debt settlement program with XXXX Law Offices in XXXX, AZ and turned over two ( 2 ) DISCOVER accounts ( XXXX ) to XXXX Law Offices at a charge to us well over {$5000.00}. DISCOVER agreed to debt settlement however on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$15000.00} against my husband and on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$12000.00} against me. We did own a home at this time. XXXX Law Offices was telling us all along that all was going okay, not the case?! XXXX Law Offices instructed us on how to respond and we filed that response in the county we lived in at the time. DISCOVER and the FDIC had written us letters in this regard in XXXX and XXXX XXXX stating very clearly that no suits had ever been filed on either account and that the two XXXX 2 ) accounts were charged off in XXXX XXXX but that was a total LIE?! In XXXX and XXXX we experienced a job LAY OFF and we sold our home through " short sale '' to prevent foreclosure. At the time we were current in our mortgage payments however the mortgage companies refused to work with us. We sold off everything we owned to make ends meet and pay bills until we could find employment which was not easy with these two XXXX 2 XXXX judgments hanging over our heads?! We have been married XXXX XXXX years, I am XXXX ( XXXX ) and my husband is XXXX ( XXXX ) and we have never failed to pay our bills and we fully intended to pay these cards in debt settlement however we have since considered filing bankruptcy over the entire issue. We have contacted XXXX XXXX in the executive office of DISCOVER to date at XXXX XXXX XXXX but to no avail?! We live pay day to pay day. We will never own another home in our lifetime so DISCOVER can not attach that property. DISCOVER will end of with exactly zero XXXX -0- ) in all of this if they arenot willing to cooperate with us. We will not pay the balances shown as they are filled withadditional charges and fees that DISCOVER just added on because no one STOPS these lenders and banks from running over the Consumer?! They have XXXX attorneys who do nothing but make our lives miserable?! We have contacted these Attorneys to say that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile in an expedient manner we will never consider paying DISCOVER anything since they have been on our credit history and profile since XXXX and were done after DISCOVER agreed to the debt settlement program with XXXX Law Offices. We did file a complaint with the XXXX and we were refunded our {$5000.00} from XXXX Law Offices which was applied to bills and making ends meet. Allowing these lenders and banks to run over the Consumer is greatly unfair and needs to be STOPPED. We are still trying to come back from these job LAY OFFS and we pay our bills on time as we did before all of this happened to date but these two ( 2 ) DISCOVER judgments need to be dropped off completely without further delay so we can keep employment and pay our billsand if DISCOVER ever expects ANY funds from us we will not ever consider that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile as they we done unfairly and without consideration for our financial situation at the time XXXX Law Offices filed them?! XXXX Law Offices was supposedly handling these two ( 2 ) DISCOVER accounts ( XXXX ) when these two ( 2 ) DISCOVER judgments were filed against us?! How can we pay bills without a job which is greatly jeopardized by these two ( 2 ) DISCOVER judgments hanging over our heads and if we have no employment DISCOVER still gets ZERO ( -0- )?! We are so sick and fed up with the way lenders and banks treat the Consumer and no one will make the effort to STOP itto date?! We had such good credit at one time we had too much credit but that has changed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Marietta, GA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Wallington, NJ

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Rocky Ridge, MD

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Redondo Beach, CA

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-08

Albany, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-08

Seattle, WA

Credit determination

Credit card:

Complaint: Explanation of complaint : I want to file a case of discrimination against dicover card. I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. thanks a lot, mtan
Company Response: Closed with explanation

Disputed: No Timely Response