DISCOVER BANK

2015-06-01

Seattle, WA

Other

Credit card:

Complaint: I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-31

Cape Coral, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Tracy, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Ridley Park, PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Complaint: I went to school at XXXX University in XXXX XXXX 's, PA. I have held private student loans with Discover Student Loans for 3 years ( I have actually be paying on the loans longer but they were originally all owned by XXXX-my private loans are now split between XXXX and Discover Student Loans ). I have paid my loans monthly since I have finished school ( on-time for the most part but at times a couple days late ). In late XXXX I became unemployed and am currently looking for a job. I paid my XXXX and XXXX payments but can not afford to make those payments anymore until I find a job. My loan payment due date is the XXXX of every month. Today, the XXXX of the month, I got a phone call from my father ( who co-signed my loan ) stating that discover called him today reporting I was delinquent on my loan XXXX by one day for XXXX payment ). When he asked if they called me the women did not give a clear answer. I did not receive a phone call from them. I then called them today to ask for help and after much struggle ( and attempts to tell me I should be asking family members for loans to help me pay, etc ) and talking to XXXX different people I was finally granted a two month forbearance ( I have never taken a forbearance on these loans in the past ). I was told that my monthly payment would then go up in the two months but they could not tell me by how much and that I would get a letter in the mail with my new monthly payment amount ( please note that between my XXXX private loans and federal loans it is difficult enough for me to make these payment but thanks to government loans offering pay income options I am at least able to pay my loans and still survive ). I agreed as I do n't have an other options at the moment. I also was asked by the representative if they were allowed to contact me via cell phone or text message in the furture. I declined saying that I wanted only to be contacted in writing ( email or letter format ). I did this because in the past when I have had to be a few days late and called them to notify them I was told that even though my account was noted I would continue to get " collection calls '' from their automated dialer. The problem with this is that the automated dialer can call you multiple times ( XXXX to XXXX a day ). When I explained that this was in part why i no longer wanted to be contacted via phone from them the representative XXXX XXXX XXXX continue to pressure for several minutes to " give my consent to contact me via phone '' and noted that they only call people who do n't ' pay on time multiple times a day in an effort to reach them ( this is not true because if you call them to notify them you are going to be late they still lump you in the " delinquent '' category ). I did not give in and refused to give consent. He finally accepted my " no '' but was rude. I have several issues with what happened today : ( XXXX ) why are they contacting my co-signer before they contact me?, ( XXXX ) why are they calling my co-signer 1 day after my payment was due when I have a long standing history of paying on-time/monthly with this company?, ( XXXX ) why is it so difficult to get help with payment arrangements during periods of unemployment ( and made to feel almost like a criminal or delinquent for asking )? and ( XXXX ) unlike XXXX who granted my two month forbearance on the part of the loans I have with them, is Discover now going to increase my monthly payments because I am unable to pay for two months? I understand that interest will continue to accrue on XXXX those loans but when someone has been out of work for several months to then tell them that there payment will increase when financial struggles have been endured while looking for a new job is ridiculous. XXXX is not increasing my monthly payment. I do n't understand. Any help you can offer with this problem I would appreciate.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Manhattan, NY

Arbitration

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Atlanta, GA

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-29

Odell, OR

Closing/Cancelling account

Credit card:

Complaint: I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

West Newfield, ME

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-28

Eagle, ID

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-28

Silver Spring, MD

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: It has taken almost 3 months for my IRA CD account at Discover Bank to be transferred to the Government Thrift Saving Plan. During this period I was assesed an Early Withdrawal penalty by the Bank. I disagree that what I did was early and that I made a withdrawal, so I believe no penalty should have been assesed. 1. Early - Section XXXX of Discover 's XXXX Account Agreement defines a list of terms. Early is not among the terms defined, so I had to settle for the definition of " early '' in XXXX. The dictionary defines early as " of, relating to, or occurring near the beginning of a period of time ... '' According to Discover 's web site, my CDs were opened between XXXX XXXX and XXXX XXXX ( 3 to 5 years ago ), rolled over more than once, and have each retained the same CD identification number assigned at the original purchase. In such a case, one would think the period from purchase until the latest rollover would be considered " early ''. After that rollover, we would be in the present eagerly anticipating the next ( future ) rollover. To characterize the current or next action upon something established years ago as early indicates confusion with the concept of past, present, and future and seems a misuse of the English language. 2. Withdrawal -. a. Below is a quote from Discover 's web site sales pitch for their IRA. Please note that when the funds are coming in it is labeled a transfer ( no mention of withdrawal ) " With a transfer your money is moved directly from one IRA to another. The funds are exchanged between the financial institutions without the consumer ever handling them. ". b. Later on, when I questioned the " early withdrawal penalty, '' I was informed by an IRA specialist, " Any funds removed from an account are considered a withdrawal, in this case it was a withdrawal done via Transfer. Thus, per the Deposit Account Agreement, the Early Withdrawal Penalty does apply, and can not be waived. '' Other than the message above, I can not find any other reference to " withdrawal done via Transfer '' in Discover 's literature or web site. In XXXX, above, Discover is quoted as stating that a transfer occurs between institutions, yet when I request a Transfer ( between institutions ) of the entire account, I am penalized for a withdrawal.. How can this be? c. Related to early withdrawal is the statement in Section XXXX ( Amendments, Account Changes and Notices, of Discover 's Deposit Account Agreement, " If you are unwilling to agree to such amendments, you have the right to close your Account prior to the changes taking effect, subject to any Early Withdrawal Penalties. '' As I was/am willing to agree to the amendments and requested the IRA transfer subsequent to the Discover changes, I should not be subject to any early withdrawal penalties and my money restored. 3. Penalty - As it has taken Discover from XXXX until the XXXX to transfer my IRA account, I believe Discover has demonstrated outstanding proficiency in the subject of " lateness/late ''. Unfortunately, I do not believe it has demonstrated any aptitude in " early '' that would qualify it to assign penalties.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Mechanicsville, VA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

NC

Credit determination

Credit card:

Complaint: I applied online and received instant approval for a Discover It credit card, with a credit line of {$1000.00}. The card is specifically designed for students, or as promulgated by Discover. I immediately began using my card upon receipt, making large purchases and most notably rendering large payments subsequently. The intent was show not activity and establish credit for a revolving account, rather to also show that I have income and not just max-ing the credit line and submitting minimum payments for the next six months. I am self-employed and receive financial aid from my PhD degree pursuits. Often times during my studies, there have been delays in direct deposits from the financial aid disbursements. However, albeit delayed, it 's essentially guaranteed funds. On XXXX XXXX, 2015, I made an online payment authorizing an ACH transfer from my checking account ( which is customary practice for most and had been for me ). There was an error with the bank and funds were not available. I immediately contacted Discover and advised them of the situation. Instead of assisting me with rescheduling the payment, they told me that it would continue to " hit '' my account XXXX more times. As can easily be deduced, this resulted in monetary losses for me - NSF fees charged by my bank because the account had not yet been reconciled. It 's straightforward common sense that there should be a " fail safe '' for all banks and creditors per ACH processing and the automatic recurring attempt to debit from one 's account should be ILLEGAL ... especially if the consumer immediately notifies the creditor of such uncontrollable circumstances. So not only did I pay {$100.00} to my bank, but I also immediately submitted payment of {$450.00} again to Discover as previously advised to reconcile the initial returned payment. Notably, my Discover statement instead reads that " I '' resubmitted my payment of {$450.00} XXXX times in addition to the initial payment making it appear as if I 'm the evil consumer with no intention to make good on my payments. In XXXX, a similar occurrence happened - I submitted an online payment for {$770.00} - same method, again under now the confirmation of a direct deposit notice. There was another " XXXX '' with the bank and availability of funds. I immediately contacted Discover. I did not immediately use the funds that appeared available after my payment posted. It was over a week later before even the bank or I knew what had occurred. Discover did it again. Instead of processing some form of " fail safe '' to mitigate money and other damages for all involved parties, they keep reprocessing the payment - because they say they " have permission '' from the laws of the land to reprocess an ACH debit up to XXXX times at their own discretion. This is " the part '' that never ceases to amaze me with would-be intelligent people and viable companies - since when did " discretion '' not include ethics and common sense. If the consumer ( ME ) has informed you immediately of a problem, why would anyone or any company of sound mind keep reprocessing the payment. It appears, be legal premise, that intent is established, and the motive is evidenced thereby as well - to retaliate by inflicting harm to the consumer. It would make more sense to immediately initiate the " fail safe '' to protect all parties, allow the consumer to reprocess the payment when all is clear ( and of course in a reasonable time frame ), and monitor the account for reconciliation. But I reckon that 'd be too much like ethical. And I learned a long time ago in XXXX that ethics is NOT central to the body of law, and corporate bigwigs love to use legal loopholes as scapegoats for any responsibility for their role in the " snafu. '' I 've made XXXX large payments of {$200.00}, {$450.00}, {$450.00}, and successfully so in less than a 60 days. Ultimately, Discover closed my account due to unsatisfactory payment history.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Rockville, MD

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Lewisville, TX

Billing disputes

Credit card:

Complaint: THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-27

Melrose Park, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Glendale, CO

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Artesia, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Washington, DC

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-26

Arco, CA

Billing disputes

Credit card:

Complaint: Fraudulent charge was made to my account. Case # XXXX. Despite the {$0.00} liability claim, Discover denied my claim and held me fully liable for the full amount of the charge.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-26

Indianapolis, IN

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-25

Champions Gate, FL

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-24

NY

Billing disputes

Credit card:

Complaint: I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-23

Plano, TX

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Coppell, TX

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

Corona, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response