DISCOVER BANK

2015-05-21

Cheverly, MD

Billing disputes

Credit card:

Complaint: disputed my account due to someone else using my account. it was never taken off my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-21

NH

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-21

Boloxi, MS

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. I feel they have no right to request such a document. Is this legal?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Live Oak, TX

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

MO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. .. Discover Card
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Canyon, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

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

2015-05-20

CO

Other

Credit card:

Complaint: Discover Financial has included on my credit report an account that I have no responsibility for. They have refused to remedy the problem despite repeated requests to do so. This has caused my credit score to drop around XXXX points which has caused me to have XXXX bank loans refused, causing me a loss of business as well as other financial distress.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-05-20

Lake Lincolnd, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Memorial Square, GA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-20

Silver Spring, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-19

Nyc, NY

Billing disputes

Credit card:

Complaint: I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-19

Christiana, DE

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-19

NE

Closing/Cancelling account

Credit card:

Complaint: Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

San Buenaventura, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-18

Nyc, NY

Billing disputes

Credit card:

Complaint: Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-05-17

Andalusia, PA

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

2015-05-15

Anaheim, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Bertha, MN

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Galloway, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Brooklyn, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Wichita, KS

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Marina Del Rey, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Indianapolis, IN

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Washington, DC

Closing/Cancelling account

Credit card:

Complaint: Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.
Company Response: Closed with monetary relief

Disputed: No Timely Response