DISCOVER BANK

2019-06-28

Belleville, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-28

Altamonte Spg, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-06-28

Freeport, NY

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-06-28

Bedford, 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 explanation

Timely Response

2019-06-27

Conch Key, FL

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

2019-06-27

San Clemente, CA

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: RE : Discover Card on XX/XX/XXXX for {$5500.00} ; XXXX XXXX XXXX I have tried to resolve this credit transaction with the appropriate credit card company. My attempts to get the matter directed to the appropriate Customer Service or XXXX XXXX Department have been ignored. I have supplied all appropriate documentation showing that XXXX XXXX was a Fraudulent XXXX Marketing Scam. To date the credit card company has not communicated with me other than a canned response letter referring me back to the collection agency. Nor will they send my request to a higher department dealing with Fraudulent Merchant transactions. The information below is a full and complete summary of the entire XXXX XXXX Scam of which the above complaint deals with only one of the six individual transactions which comprise the entire sum of XXXX XXXX purchases. FTC CASE : XXXX I was introduced to XXXX XXXX and their XXXX marketing and coaching program, when I attended a free introductory seminar at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. As a result of attending their introductory seminar, the following training courses and lifetime coaching was purchased as detailed below. The XXXX XXXX XXXX charged at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Discover Card on XX/XX/XXXX for {$5500.00}. During the ensuing months of XX/XX/XXXX through XX/XX/XXXX, the training diminished significantly and their business coaching program was non-existent. Rather than a training program on how to establish, operate, or improve my business model commensurate of a business coaching program ; it instead morphed into a sales pitch for purchasing additional XXXX XXXX products, and services. Whenever they were requested to provide a syllabus or an outline of the next lesson plan, they were unable to give me one. This made me question their viability and business ethics. Upon researching my concerns regarding XXXX XXXX, I discovered the credit card companies considered XXXX XXXX, XXXX to be a high-risk merchant and conversely withheld approximately 30 % of my payments in reserve in case of fraud. It was then I discovered the FTC filed legal action against XXXX XXXX, XXXX and communication between XXXX XXXX, XXXX became non-existent. Upon reading FTC legal documents which state that the parties involved were required to turn over the names of all customers so the FTC or its agents could notify them. This included all customers using merchant service accounts. I never received notification of any type. In attempting to recover funds paid to XXXX XXXX, XXXX for lifetime coaching and training, I contacted all the above financial institutions via registered mail and have supplied them with information regarding the fraud, FTC legal actions, and court documents, but to date, there are no reversal or chargebacks of any fraudulent charges. In fact, these financial institutions do not want to communicate with me as a victim of fraud. Some have referred my accounts to collection agencies which can not clear my credit file nor reverse these charges as they claim only the primary financial institutions can reverse charges or correct credit file information detailing fraud.
Company Response: Closed with monetary relief

Timely Response

2019-06-27

Brentwood, NC

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
Company Response: Closed with explanation

Timely Response

2019-06-27

Macon, GA

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

2019-06-27

Sanders, KY

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
Company Response: Closed with non-monetary relief

Timely Response

2019-06-26

Albuquerque, NM

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-06-26

Garfield, NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-06-26

Manhattan, NY

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

2019-06-26

Panorama City, CA

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

2019-06-26

Sugar Land, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-06-26

OK

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: Basically there are charges on my Discover credit card from a fraud case I have made police reports reported it gone through an entire process and they keep rejecting it and claiming that the charges are mine and they keep saying that its not a fraud even though I have not made the charges I have on the card my bank is who made me aware of it I had no idea has not been resolved its been over one year
Company Response: Closed with explanation

Timely Response

2019-06-26

Elgin, SC

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-26

LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.
Company Response: Closed with explanation

Timely Response

2019-06-26

Bethpage, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-06-26

Alexandria, VA

Fees or interest

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

Charged too much interest
Complaint: Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-26

Daytona Beach, FL

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

2019-06-25

Plymouth Meeting, PA

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-06-25

San Jose, CA

Fees or interest

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

Charged too much interest
Complaint: Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.
Company Response: Closed with explanation

Timely Response

2019-06-25

Wallington, NJ

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-06-25

Madison Square Sta, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-25

Madison Square Sta, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response