DISCOVER BANK

2015-06-21

Bartlett, TN

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-20

Lancaster, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-20

AR

Billing disputes

Credit card:

Complaint: My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-20

Church Point, LA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-19

Brooklyn, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-19

Winston Salem, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-19

Euclid, OH

Billing disputes

Credit card:

Complaint: XXXX XXXX, XXXX, my husband and I entered into a written contract to purchase XXXX vehicles from XXXX XXXX XXXX for the trade of XXXX vehicles and {$4000.00}. It was specifically discussed and agreed that the {$4000.00} was to go to the payment of the negative equity ( difference between the trade-in value and car loan balance ) on the XXXX XXXX XXXX. Vehicles to be purchased : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Vehicles to be traded : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Passport. XXXX advised they were unable to locate the specific XXXX XXXX that we wanted, so they asked to change the vehicle to a XXXX XXXX XXXX XXXX in its place. They further stated that no other terms of the agreement were going to change, only the vehicle. All parties agreed. XXXX XXXX, XXXX, we went to pick up the vehicles. Once there we were told that the wrong color vehicle was ordered for myself. They would continue searching for me a vehicle, however, my husband 's vehicles were there so they wanted him to accept delivery of the XXXX of the XXXX vehicles that day. My husband stated that he was not comfortable taking his XXXX vehicles before my vehicle was there. XXXX XXXX XXXX assured us that nothing was going to change in the deal. So my husband reluctantly agreed to take delivery of XXXX of the XXXX promised vehicles. While signing the paperwork, my husband noticed that XXXX of the trades and the entire {$4000.00} was applied to his XXXX purchases instead of what was originally agreed to. We were told that it was necessary for them to change the numbers around so that they could get more rebates from the manufacturer. But they again promised, that there would be NO negative equity applied to the XXXX XXXX XXXX purchase. Reluctantly, my husband signed the paperwork and took delivery of XXXX of the XXXX promised vehicles. XXXX XXXX, XXXX, I went to the dealership to complete the deal, only to find out that negative equity had been added back into the new loan payment, which is NOT what was agreed upon. Since the terms did change, I refused the delivery of the XXXX vehicle. I attempted to work with the dealership for a resolution. The dealership refused to refund the {$4000.00} and also refused to deliver the XXXX XXXX XXXX under the terms that had been agreed upon. XXXX XXXX, I contacted Discover to initiate a dispute of the XXXX {$2000.00} charges from XXXX XXXX XXXX due to breach of contract and non-delivery of merchandise as agreed. Discover card assigned XXXX dispute numbers to the transactions. That same day, I faxed a detailed letter explaining the dispute, along with XXXX other pages of proof showing the transaction was not completed as agreed. XXXX : Discover added {$4000.00} back to balance, XXXX XXXX XXXX sent copy of receipt as " proof '' money was due on XXXX XXXX and XXXX XXXX purchases, disputed XXXX : Uploaded to Discover more paperwork demanding a refund from XXXX of XXXX or completion of XXXX, and XXXX, and XXXX : Uploaded more paperwork showing their refusal to refund money, even though they admitted the {$4000.00} was supposed to go to the sale of the XXXX vehicle which had not taken place. XXXX of XXXX refused to complete the transaction. XXXX disputed the {$4000.00} being added back to the credit card XXXX : Discover sent letter that dispute is under final review and to send any final XXXX : Uploaded proof proposed vehicle not in inventory XXXX : Uploaded proof XXXX car purchased from completely different dealership and {$4000.00} paid to them for negative equity of XXXX XXXX XXXX XXXX : {$4000.00} added back to balance. Called Discover to report credit card fraud. Card # changed and dispute reopened-Called XXXX, XXXX, XXXX, XXXX, XXXX. Told even though the deal was n't complete, and they admitted they did n't do what was agreed upon, its our problem should n't have signed receipt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-19

South Point, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Kildeer, IL

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Nottingham, PA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

N Hollywood, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Bay View, WI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Council, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-18

Baltimore, MD

Cash advance

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Jupiter, FL

Delinquent account

Credit card:

Complaint: I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

NJ

APR or interest rate

Credit card:

Complaint: Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Richland, WA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-17

Bayside, WI

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-17

Burlingame, CA

Customer service / Customer relations

Credit card:

Complaint: I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. I e-mailed XXXX on XX/XX/XXXX but he had not responded. I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Santa Monica, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Brem, WA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-16

Lufkin, TX

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Jersey City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-06-15

Pawtucket, RI

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Davis, CA

Privacy

Credit card:

Complaint: My annual income and house payment or rent amount were requested by Discover card. My concerns about privacy and identity theft lead me to believe that this information should not be requested by credit cards. Verification of employment would make sense when applying for a card.
Company Response: Closed with explanation

Disputed: No Timely Response