DISCOVER BANK

2015-03-21

NJ

Other

Credit card:

Complaint: XXXX offered a {$100.00} gift card when applying for aDiscoverXXXX Card. I clicked on the link, applied and compliedwith the requirements. The requirement was to make XXXXpurchase with the card within 3 months. It did not say thatthe purchase had to be with XXXX. After a few months, Icontacted the bank, and they said they knew nothing of theoffer. I contacted them again and the management saidI did not apply for the right card. XXXX denied anyknowledge of the offer, although it was on their website. I would not have applied for the card, but for the offer.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-20

Bammel, TX

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

2015-03-20

South Florida, FL

Other

Credit card:

Complaint: I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Raymond, NH

Closing/Cancelling account

Credit card:

Complaint: I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, 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 to an end. Thank you for your time and consideration.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Berthoud, CO

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Raymond, NH

Closing/Cancelling account

Credit card:

Complaint: I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Auburn, WA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Cane Creek, AR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-18

Burlington, WI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Columbia, MO

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Ankeny, IA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Urbandale, IA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-18

Madison, WI

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Ft Lauderdale, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Btv, VT

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-18

Springville, UT

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-17

Irvine, CA

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Saint Clair, MO

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-17

Mboro, TN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Wilmington, OH

Credit card protection / Debt protection

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-16

Birmingham, AL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Brazito, MO

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-16

Willmar, MN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-15

Phila, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response