DISCOVER BANK

2015-05-15

Brighton, MI

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-14

Henrico, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Austin, TX

Payoff process

Credit card:

Complaint: The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

PA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Greenwood, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-05-13

Cheniere, LA

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Bohemia, NY

Transaction issue

Credit card:

Complaint: While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

East Rockaway, NY

Other

Credit card:

Complaint: Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-12

West Newfield, ME

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-12

Seneca, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. I have told Discover not to contact me any more and that I am considering filing charges against them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Heber Springs, AR

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

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

2015-05-11

Delray Beach, FL

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-05-11

Bayway, NJ

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Ormond Beach, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-11

Long Beach, CA

Closing/Cancelling account

Credit card:

Complaint: Credit Card was never activated YET I 'm receiving mail.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-05-11

Beachmont, MA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-10

Silver Spring, MD

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-10

Madeira Beach, FL

Bankruptcy

Credit card:

Complaint: acct under XXXX bankruptcy and still showing under my XXXX credits bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-09

San Jacinto, CA

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-09

Tampa Palms, FL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Washington, DC

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-08

Rochester, NY

Delinquent account

Credit card:

Complaint: I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. At XXXX they called every XXXX days, which is fine. They began calling me XXXX times back to back, hanging up after XXXX or XXXX rings and then immediately calling back. This has happened XXXX times. This morning I was going to answer and they kept hanging up on me before I could. This directly violates FDCPA call frequency regulations, and the hangups are harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

IN

APR or interest rate

Credit card:

Complaint: Discover card interest rates. I recently was laid off from my job of the last 7 years. The issue is with the fact that I contacted them and told them my situation. They were okay at XXXX but now they are demanding access to my checking account to make automatic withdrawals. I told them repeatedly that my income is only $ XXXX/week. They want all of it. I refused. After this, I took a look at the last 2.5 years of statements and saw that had only XXXX late charge ( XX/XX/2014 ), they never lowered my rate under 19.99 %. In XX/XX/2014 my rate was jacked up to the default of XXXX and never lowered. I also inquired about getting a refund on interest charges and they also refused.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Lewisville, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.
Company Response: Closed with explanation

Disputed: Yes Timely Response