DISCOVER BANK

2019-07-29

Metairie, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-07-29

Staten Island, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.
Company Response: Closed with explanation

Timely Response

2019-07-29

Billerica, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.
Company Response: Closed with explanation

Timely Response

2019-07-29

Macclenny, FL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: My concern is attached, as well as supporting documentation.
Company Response: Closed with monetary relief

Timely Response

2019-07-28

Cordova, TN

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!
Company Response: Closed with explanation

Timely Response

2019-07-28

Baychester, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-28

Glendale, CO

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}
Company Response: Closed with monetary relief

Timely Response

2019-07-28

Auburn Hills, MI

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-28

Una, SC

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2019-07-27

Jacksonville, FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: On XX/XX/XXXX, I used the Discover online system to check the balance of my Discover balance transfer, which is due XX/XX/XXXX. I was unable to find the total on the website or on my statement. Because the information was not available online, I used the online email system to request my balance transfer remaining balance. The reason that I was checking is because since XX/XX/XXXX, my payments towards this balance transfer have been anywhere from {$1500.00} to {$5000.00} monthly. This was done to ensure that my total balance transfer was paid in full by the due date. I was expecting to be close to paying this off, if not having paid it off in full already. On XX/XX/XXXX, Discover responded and informed me that only the minimal balance of my balance transfer was paid out of each {$1500.00} to {$5000.00} monthly payment. Many months, the minimal balance is only {$120.00}. If only the minimal balance is being applied to the transfer balance, this is a company practice that guarantees that I would not fulfill my obligation of paying off the balance transfer by XX/XX/XXXX. On XX/XX/XXXX, I responded asking what I needed to do to be able to dictate that enough of my monthly payment was applied to my balance transfer to ensure that the balance was paid off in full by XX/XX/XXXX. Discover responded with the same canned text without answering my question. Of note, my balance transfer of {$10000.00} ( acquired XX/XX/XXXX ) has a remaining balance of {$5800.00}, despite my making {$20000.00} in payments since XX/XX/XXXX. I am filing this complaint for two reasons. I believe that Discover 's practice of applying my payments to only the minimal balance of the balance transfer is deceptive and intended to trick the consumer into missing the deadline for full payment, which allows them to charge all of the interest that was previously withheld. My second reason is because Discover needs to be held responsible for correcting this process so that a less saavy consumer would not be taken advantage of. Of note, nowhere on the website or my statement does it display my balance transfer total as opposed to my total balance, which was why I contacted them in the first place. This is also intended to hide their deceptive practices and needs to be remedied.
Company Response: Closed with explanation

Timely Response

2019-07-27

Brandon, MS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-07-27

NY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I receive in the range of 3-5 calls daily, no matter how many times I tell them that at this time I can not arrange payment. The calls are made by robo-caller, when answering the calls, an operator asks to confirm my name and transfers the call to a representative to discuss my debt. They use a few different phone numbers, predominantly from ( XXXX ) XXXX - XXXX
Company Response: Closed with explanation

Timely Response

2019-07-27

OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and XXXX all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-27

Brandon, MS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-07-26

Salt Lake City, UT

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-26

Dayton, MN

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-07-26

Brown Deer, WI

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-07-26

IN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. Discover card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, XXXX reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own XXXX credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-26

San Gabriel, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: AFTER BEING A GOOD MEMBER IN STANDING AS CARD HOLDER FOR OVER 2YRS. I RECEIVED A LETTER FROM DISCOVER CARD STATING THAT MY LIMIT WOULD BE REDUCED FROM {$3700.00} TO {$500.00}. I HAVE NEVER MISSED A PAYMENT AND CURRENTLY HAVE HAD A XXXX BALANCE FOR AWHILE. THIS HAS ADVERSELY AFFECTED MY FICO SCORE .I HAVE ACTUALLY INCREASED MY SCORE AND HAVE ADDED ACCOUNTS WITH NO LATES WITH VARIOUS LIMITS. AND MY SCORES ARE DECENT,XXXX.NEVR MISSED A PAYMENT AT ANY TIME ON ANY CARD, OR PERSONAL LOANS MR XXXX
Company Response: Closed with explanation

Timely Response

2019-07-26

Bloomington, MN

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-07-25

Lake Charles, LA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.
Company Response: Closed with explanation

Timely Response

2019-07-25

Aurora, UT

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-25

Great Notch, NJ

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Complaint: 1-I closed my account with Discover Credit Card. They confirmed this closure by email ( attached ) on XX/XX/XXXX. 2-They send me an email stating that I paid off my {$2000.00} ( the whole credit ) -attached- 3- They charged me -after closure- an amount of {$160.00} after closure. -a statement is attached- I want my {$160.00} back and final closure of my account with this company. Thank you XXXX
Company Response: Closed with explanation

Timely Response

2019-07-25

NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.
Company Response: Closed with explanation

Timely Response

2019-07-25

Aliso Viejo, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response