DISCOVER BANK

2015-03-26

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-26

Manhattan, NY

Credit card protection / Debt protection

Credit card:

Complaint: I had an account with Discover Financial Services ( owners of Discover Card ) and due to economic hardship, I transferred that account to a debt management company to assist me with controlled monthly payments. I was making continuous payments to this program until I got laid off from my job and found myself in dire straits. The debt management company did relay the news to Discover and without my knowledge ( they only notified the debt management company and did NOT send me a letter in writing as per the law ) they ended their participation in the program and sold my account to a debt collection agency. Under the Fair Debt Collection Practices Act, they have reported inaccurate information to the credit reporting agencies stating that I abandoned the account when I in fact did not and also did not send me a letter in writing notifying me that they sold my account to a third party collection agency. I have sent Discover XXXX letters via registered mail and also did contact the New York State Department of Consumer Protection, but did not receive a reply from Discover after both approaches. They have refuse to return my calls and letters regarding my account and I require urgent assistance before I take legal action against them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Dayton, OH

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-03-25

Flushing, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

East Fishkill, NY

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-25

Euclid, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. School : XXXX XXXX ; XXXX, OH
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Springfield, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: 1 ) Discover Bank closed my checking account without any notice. 2 ) Its customer service rejected my request of transferring my money XXXX more than {$2000.00} in balance ), and sent a check to my old address. No chance was given to correct the address error, even if I pointed out the mailing address is out of date. Note, my above conversation with Discover Bank was before the final check was issued. 3 ) The online bank system was not working properly. After my checking account was closed, Discover Bank continued sending online bill pay checks to at least XXXX of my billers, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, etc. These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Evanston, IL

Credit determination

Credit card:

Complaint: I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. Your privacy is very important to us. As always, we will keep your information secure. Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Havana, FL

Closing/Cancelling account

Credit card:

Complaint: I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Duncan, NC

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

CT

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Island Trees, NY

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Lorton, VA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-23

MD

Other

Credit card:

Complaint: I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-23

Five Points, NC

Other

Credit card:

Complaint: Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

TX

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: A Discover Card rep told me he cancelled a payment pending for two days later, but it was not cancelled. It will cost me {$20.00} to stop payment or a {$35.00} insufficient funds charge.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-23

Lakehurst, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Tulsa, OK

Billing disputes

Credit card:

Complaint: I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-22

West Harrison, NY

Improper use of my credit report

Credit reporting:

Report shared with employer w/o consent
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-22

Lexington, NC

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX and XXXX, 2015 ( as well several phone calls and chat sessions with Discover Card customer service ), I made inquiries to why a payment of {$61.00} that was posted to my Discover Card account on XXXX XXXX, 2015, did not have the funds withdrawn from my financial institution, XXXX XXXX XXXX XXXX XXXX in XXXX, NC, until XXXX XXXX, 2015. Nobody at either Discover Card or XXXX XXXX ' XXXX XXXX could give me a direct answer. Instead, I got the " pass the buck '' routine. Neither financial institution should be allowed to treat customers this way. I have documentation available as proof of these events taking place.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-22

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-22

Moapa, NV

Billing disputes

Credit card:

Complaint: In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-21

Grassy, MO

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: We started our loan process with XXXX XXXX in XXXX of 2014. He was very courteous and told us that we 'd be eligible for special loan programs as loyal customers of Discover. Our credit scores are also excellent ( XXXX ), so we had many options available to us. We were pleased to be offered a program where we could pay 10 % down while avoiding private mortgage insurance. Because of this, we chose Discover for our mortgage. XXXX was prompt and courteous and we enjoyed dealing with him. This ends any sort of positive experience for the remainder of our dealings with Discover. When we were turned over to XXXX XXXX, communication promptly came to a halt. Despite our requests to send us confirmation of receipt of documents, XXXX ignored us. She also failed to process any paperwork in a timely manner. It took her OVER A WEEK to let us know that she could n't download a very important piece of loan documentation. We also had to re-submit files and jump through ridiculous hoops to validate information that she already had. TWO business days before our closing, our loan was pulled. It was n't even XXXX who told us, it was XXXX. We had to jump through even more hoops, cancel our move, and deal with an unbelievable amount of stress while we tried to get our loan sorted out. Our loan finally went through and we dealt with an exceptionally good title company for closing. My IL driver 's license had expired, but they assured us this would not be a problem. At closing, we were dismayed to find that we had been assessed private mortgage insurance at the cost of $ 66/month for the next 5 years. The closing company told us that we would need to sort this out after closing. The day after closing, we received word 4 hours before the end of the business day that Discover was pulling our funding yet again. Because of my expired license. We offered additional forms of identification ( passport ), but they refused anything but a current state ID. I had to scramble to find and unpack our personal documents and get to a local state identification center in the span of a few hours, with XXXX small, exhausted children in tow. Your awful company would n't even allow us a full business day to get the documentation. We were literally racing the clock that night. After dealing with Discover themselves and seeing how horribly we were treated, our title company held an impromptu meeting where they decided that they would refuse to deal with Discover Home Loans again. I think that that speaks volumes. We have contacted XXXX XXXX on XXXX XXXX to review our phone recordings and rectify the private mortgage insurance issue. He promised to call us back no later than XXXX XXXX. After our initial contact with him, he has failed to contact us back. We contacted the customer relations department ( XXXX XXXX ) on XXXX XXXX. She said she would review our records and contact us back no later than XXXX XXXX. She has also failed to call us again. We have reached out via phone, email, XXXX and XXXX and nobody at this company cares or will respond. We have been lied to about the terms of our loan and have phone recorded proof. In addition, our loan process was simply unacceptable. We are out of people to contact at Discover and nobody will return our calls about our complaints.
Company Response: Closed with explanation

Disputed: Yes Timely Response