DISCOVER BANK

2019-06-25

Madison Square Sta, NY

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-06-25

Del Valle, 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

2019-06-25

Madison Square Sta, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-24

Hartsville, PA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-06-24

N Hollywood, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-24

Detroit, MI

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: Discover didn't fully address my complaint in CFPB case # XXXX. The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.
Company Response: Closed with explanation

Timely Response

2019-06-24

Durham, NC

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

2019-06-24

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-24

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. I don't care how you spent it. You took my money. You have to return it in full. Period. We are not done here. Give me back my money, now.
Company Response: Closed with explanation

Timely Response

2019-06-24

N Hollywood, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-24

Dunnellon, FL

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: On XX/XX/XXXX, I received a voicemail from Discover 's " fraud department. '' All I did was add an external checking account to my Discover account. I reached out to Discover immediately to inform them that I added the external bank account. However, it was too late. Discover had already deactivated my online access. I've had one Discover login to manage both my Discover credit card and Discover bank accounts for several years. Everything has ran smoothly up until 10 days ago. After Discover took the step of deactivating my online access after mistakenly detecting some kind of fraud on the account, I had to spend an hour on the phone trying to reactivate it. After following all the steps and suggestions on the phone. There is an error after I log in with the account. I can see the accounts listed, but there is an error message next to each account that said : " verify this account. '' Any link that I clicked on including " verify this acount '' led to an error page. All of the links inside of the online account led to error pages. I reached out to Discover by phone and chat immediately to let them know what's going on. I can't access my accounts. I can not do anything with any of the accounts. It's very frustrating. I was told on the phone that " headquarters '' would be working to fix it. Over ten days later and there has been no communication what-so-ever from headquarters. No e-mail. I'm traveling overseas right now and e-mail is the best way to reach me. But no other form of communication from DIscover. No solutions. It hasn't been fixed. I've chatted multiple times. There is something bizarre with Discover 's chat support. I send a message and then verify my account info. Then I don't get another reply from Discover 's support agent for another 20 minutes. After 15 minutes the chat times out. It has nothing to do with the Internet connection, it's that literally the support agent is taking up to 30 minutes to reply. It's like there is one person trying to service 300 support requests at the same time? What is going on with Discover? I've never seen such poor online customer support in my whole life. On XXXX, the official Discover account asks me to open the chat and the whole thing repeats. I verify my account through chat, and then it takes 20 - 30 minutes to get a reply from the agent or no reply ever comes. This problem that is not my fault, and caused by Discover never gets solved. I wish I could be compensated somehow for how much time I've wasted trying to get it resolved. It's so crazy. I've called twice on this issue. Each time I can get through to their U.S support, which is good. But again, each time they say they've reported the issue to their headquarters and there is nothing else they can do at all. On XX/XX/XXXX, I got an e-mail from Discover with a temporary password. I thought for a moment that they finally fixed the issue and I could now log in. But I try to log in with the temporary password and it doesn't work. I'm so disappointed by the lack of communication, lack of a solution, and the fact that this whole thing was caused by a mistake by Discover just for linking an external account to Discover. I've never seen anything like this before, and never experienced any problem like this before with any other financial company. Since I received the temporary password today, I also can't log in at all.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-23

Shadow Hills, 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

2019-06-23

Hamburg, MN

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP
Company Response: Closed with explanation

Timely Response

2019-06-23

Hinsdale, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-23

Burtonsville, MD

Fees or interest

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

Charged too much interest
Complaint: I have applied for a credit card for the amount of {$5000.00} from discover card services, I am sitting on {$6900.00} as of XXXX. I haven't missed a payment, my interest rate is 25 %. I asked them to close the account and still changing me Interest. I have stopped using the card for over a year and continue paying every month. instead of my balance going down it keeps going up.
Company Response: Closed with explanation

Timely Response

2019-06-22

Peoria, IL

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

2019-06-22

San Francisco, CA

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

2019-06-22

Billerica, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: We have been a member of the Discover credit card company since XXXX and have never had a late charge payment. We have a XXXX line of credit with them which has never been used. Yesterday we were notified of a late fee of {$27.00} and an interest fee of {$5.00} based on a claim that the company did not receive our last payment of {$310.00} which we sent on XX/XX/XXXX ahead of schedule. We received a phone call notifying us of a non-receipt of payment for the above on, XX/XX/XXXX and a new bill showing the charges on the following day, XX/XX/XXXX. During the phone call we repaid the bill plus charges from our bank account to settle the dispute. Why did Discover wait nearly a month to inform us of the non- payment when obviously they knew about it earlier? During the call we reviewed our 27 year history of prompt payments, offered a carbon copy of the paid check and relayed the information that the handful of bills sent at the same time were received. Could it be that Discover was trying to eliminate us because of low volume of activity in our later years and the nuisance of using the mail? Attached please find a copy of the original paid bill, a carbon copy of the payment check and a copy of the new bill. Thank you in advance for your help.
Company Response: Closed with monetary relief

Timely Response

2019-06-22

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-06-21

Dayton, OH

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-06-21

Gore Springs, MS

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-06-21

Bellingham, WA

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

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

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

Timely Response

2019-06-21

Boston, MA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-06-20

Palos Park, IL

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-06-20

Stkn, 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: I WAS MISLEAD AND PAID A COMPANY USING MY 2 CREDIT CARDS. I PAID XXXX XXXX {$3200.00} ON XX/XX/2012 AND ANOTHER {$8800.00} ON XX/XX/2012 WITH MY XXXX CREDIT CARD.. I PAID WITH MY CREDIT CARDS AND HAVE TRIED TO DEMAND A REFUND FROM THE COMPANY AND CREDIT CARD COMPANIES. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID NOTHING AT ALL FOR ME.
Company Response: Closed with non-monetary relief

Timely Response