DISCOVER BANK

2019-07-25

Kansas City, KS

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-07-25

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
Company Response: Closed with explanation

Timely Response

2019-07-25

Hampton, VA

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

2019-07-25

Brooklyn, 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

2019-07-24

San Jose, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.
Company Response: Closed with explanation

Timely Response

2019-07-24

Simi Valley, CA

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
Complaint: On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XXXX/XXXX/2019.
Company Response: Closed with explanation

Timely Response

2019-07-24

Englewood, OH

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

2019-07-24

Fairfield, 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

2019-07-24

Staten Island, NY

Fees or interest

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

Charged too much interest
Complaint: I was charged interest on a balance that was paid in full
Company Response: Closed with explanation

Timely Response

2019-07-24

Lexington, NC

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
Complaint: Discover Financial performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would XXXX has not removed it so I am filing a complaint against both companies.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-23

Bradenton, FL

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2019-07-23

Sandy, UT

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

2019-07-23

AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account was open fraudulently when i was in high school in XX/XX/XXXX. I didn't know anything about this account until I tried to apply for my first credit card and was denied. I pulled my credit report and seen that this account was opened and went to collections for {$500.00}. I called Discover Financial Service and was informed that if I paid the account, they would remove it. Sadly, they did not. The account was closed on XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-23

N Haven, CT

Incorrect information on your report

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

Information belongs to someone else
Complaint: I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except " DISCOVER FIN SVCS LLC '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. This account is not mine and I am requesting that it be removed from my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-23

KY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: There was money remove from ny checking account 2 or 3 different time, I found it and turn it over to the my bank, and they reinburse my account, they was trying to get money out of my account went i was standing in the bank reporting it, i all so see a hard inquire from a credit card that i did not do, went will this stop, i Have to keep a watch on my account everyday because of this, they was small amount that was remove, but went will they take a lot out, someone has my information in how they got it i don ; t know, but it all so making credit hard to get a loan due to hard inquires that been made by someone, Thank You
Company Response: Closed with explanation

Timely Response

2019-07-23

Decker Pr, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-23

MA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/2019 payment was made by check to Discover Student Loans in the amount of XXXX, to satisfy all obligations. This amount is more than what was owed to Discover on that date. Discover has since that date issued dozens of false statements which fail to credit my account with the full proceeds of my remittance. Discover has falsely claimed that a portion of the loan is still outstanding despite having been informed of the foregoing on dozens of occasions. Discover has falsely claimed that the loan is outstanding despite having furnished me with statements on their letterhead which indicate that the loan is paid in full. Discover has harassed me for months to pay them moneys that are not owed and has libeled me by reporting that failure to pay them to credit agencies and falsely and deliberately adversely affecting my credit rating. Based on the documents supplied by Discover the loan was in fact OVERPAID on XX/XX/XXXX yet Discover refuses to render an accounting despite my demands on dozens of occasions.
Company Response: Closed with explanation

Timely Response

2019-07-22

Andrews, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-07-22

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

2019-07-22

Houston, TX

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
Complaint: someone opened a discover card in my name and i contacted discover to report it as well as all 3 credit bureaus. discover used the information i gave them to have XXXX re- report the negative account information on to my credit bureau.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-22

Phila, PA

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-07-22

Loves Park, IL

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-07-22

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-07-21

General Delivery, DC

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

2019-07-21

Discovery Bay, CA

Received a loan you didn't apply for

Payday loan, title loan, or personal loan: Payday loan

Complaint: You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.
Company Response: Closed with non-monetary relief

Timely Response