DISCOVER BANK

2015-07-08

Clermont, FL

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2015-07-08

New Orleans, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Owasso, OK

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

IN

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: Finance company is unwilling to work with me in reducing payments to something that is actually reasonable.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Honaunau, HI

Can't repay my loan

Student loan: Non-federal student loan

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

Disputed: Yes Timely Response

2015-07-07

Tucson, AZ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Stafford, VA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-07

Moreno Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

South Waltham, 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

2015-07-07

Hon, HI

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

2015-07-07

Saint Paul, MN

Billing statement

Credit card:

Complaint: On XXXX/XXXX/15, I disputed an Incorrect Electronic Funds Transfer with Discover Card for Image Dental ( {$600.00} ). Since this time only a temporary credit was issued and again the ( {$600.00} ) appears on my account. I was told by Discover Card they do not offer permanent credit for Incorrect Fund Transfers. They only ask the Merchant to provide a credit to my account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-07

Shirleysburg, PA

Closing/Cancelling account

Credit card:

Complaint: discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Glendale, CO

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-07

E Millstone, NJ

Closing/Cancelling account

Credit card:

Complaint: I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Liverpool, TX

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. XXXX XXXX and XXXX " XXXX '' XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Houston, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Astoria, NY

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-06

Scottsdale, AZ

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-06

MD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

DE

Credit determination

Credit card:

Complaint: discover bank closed my credit card 5-6 months ago, I just submitted an application today but got rejected because Discover bank said I had a closed card with discover ( discover closed my account without any explanation ). I feel this is a violation of Equal credit act.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-06

FL

Delinquent account

Credit card:

Complaint: In reference to my Discover card, having been a loyal customer for XXXX years with only XXXX different accounts all the while and never having a bill unpaid. When my credit card was used fraudulently, XX/XX/XXXX, it took XXXX months for Discover to finally do the right thing ( see attached transcription ) and correct the charge ; however, my account balance has never been correct since, and it keeps getting worse. Because of Discover taking so long to correct the fraud and making mistakes with putting the charge on an off of the account balance, I had been left with a constantly growing, mysterious previous balance and interest charges. I asked Discover to produce a clean statement showing why I would owe any money, and they were never able to do so. They simply sent me random statements from odd months that had nothing to do with the initial problem. With this said, I called to close the account, where there was less than {$100.00} or charges I still have no idea where there are being issued from, the customer service agent said there was enough money in the rewards cash back to cover the final bill and that would be it from Discover from then on. That was XX/XX/XXXX. It is as if this never happened but worse, I am not getting random bills with treats to send to collection agencies when I have not had an open account since XXXX of last year because Discover was never able to clean the statement and remove the interest and fees they said they would due to the mistakes they made over the XXXX years it took for them to fix the XXXX XXXX dispute. I will never pay any of this since I have paid for everything I have ever charged to the card, and I have done so on time and in full for the last XXXX years. If Discover was able to produce a statement showing purchases for which I have not paid, I would gladly pay the bill free of interest and fees, but they have refused to do that. If there was an amount due at the time of closing the account, I should have been told to pay it at that time, not by leaving the account open and sending bills to an address where I no longer resided, adding late fees and interest charges to someone who is n't even aware that an account is still active. Once finally getting an email from Discover, I have called XXXX different offices, one being the same corporate office that dealt with the original dispute in the first place over XXXX years ago, but no one ever answers the phone. No emails are returned. No voicemails are returned. I can get through to a general customer service person, but all they do is tell me they have no idea what is going on other than the balance on the statement needs to be paid or they will send it to collections this month. I learned today that because there has been a previous balance for so long, not only is my credit score being ruined from XXXX to a XXXX. I paid my mortgage on my house every month on time for 6 years, and I have never missed any payments for anything else I have ever owed or owned. I have had so much heartache and now financial personal loss that I have never experienced in my life because Discover has been negligent to make the necessary corrections. I left countless messages for the Executive Office XXXX XXXX, but her hours are listed as " Typically Available '' so she has, in over a year, never returned my calls. I only got a letter from her once saying she was taking off one of the interest charges, but of course it continued right after. If Discover can not produce proof for charges listed in the previous outstanding balance accruing since this incident began in XX/XX/XXXX because I pay for everything I charge in full on time all the time, then I do not know what do other than get a lawyer and see how to correct this. I want the slate put back to the way it always was before this incident occurred 3 years ago and I do not want to have to deal with this any longer. I would
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-06

NJ

APR or interest rate

Credit card:

Complaint: I have a Discover credit card and have been a member since XXXX. With the exception of a few late internet payments, I have been a responsible customer with them. I had the false impression that my interest rate was approximately 15 %. Yet, when I looked at my current statement, the rate was 26.99 %. This prompted me to do a review of my Discover credit statements dating all the way back to XXXX when my rate was 13.99 %. In XXXX XXXX, I did not make a payment and that increased my rate to 18.99 %. In XXXX XXXX, I then paid off my balance of {$330.00} to show good faith. In XXXX XXXX, my rate was increased to 23.99 % without any reason other than that my interest rate was variable. In XXXX XXXX, my rate was increased to 28.99 % without any notifiable reason. In XXXX XXXX, Discover then reported that my rate should have been 26.99 % and they adjusted it accordingly. Since XXXX XXXX, I have unknowingly been paying 26.99 % interest on my credit card balances. I realize that I should take responsibility for not being diligent enough with tracking my credit card interest rates. However, a review of my account with Discover will show almost fifteen years of being a responsible customer. The penalty for a few missed payments is rather steep. It seems that I would need a professional accountant to truly calculate the total cost of lost money over the past five years.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-07-05

Hamilton, NJ

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-07-04

Flushing, NY

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-04

Coto De Caza, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response