DISCOVER BANK

2019-05-30

San Francisco, CA

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-05-30

Smyrna, DE

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-05-30

Manhattan, NY

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

2019-05-30

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

2019-05-30

Eggville, MS

Incorrect information on your report

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

Account information incorrect
Complaint: I had to renew my home mortgage, they showed a debit with XXXX XXXX. This debit I did not make and has no place on my credit score. I believe cfpb has already addressed this account if not I have no knowledge of it.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-30

Bentley, MI

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect balance. It is listed as a closed, charge off account on XXXX and XXXX as of XX/XX/XXXX. The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. I challenge the accuracy, compliance and reportability of this listing. They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and XXXX reports.
Company Response: Closed with explanation

Timely Response

2019-05-30

Elmwood Park, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-05-30

Winton, CA

Other features, terms, or problems

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

Other problem
Complaint: I did a stupid thing I admit. I met a guy online and he persuaded me to give him my credit card and bank information. He said he would take care of everything. He deposited a fraudulent check into my bank account. He also made payments on the credit cards using bank accounts, I believe they are fake or other individuals bank information. I do not want to be accused of stealing. I seriously regret what I did and through this I am learning from it. I
Company Response: Closed with non-monetary relief

Timely Response

2019-05-30

Philadelphia, PA

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
Complaint: Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account. By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED. Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full. They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no ... not convenient at all. What good is a card if it can't be used in an emergency? STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.
Company Response: Closed with explanation

Timely Response

2019-05-30

Reno, NV

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

2019-05-30

Ft Lauderdale, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-30

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: I have sent in copies of police reports and FTC reports. Stating and proving I was a victim of fraud. The account was opened in my name using my social and drivers license.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-30

Morrisville, 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

2019-05-29

Long Beach, CA

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

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

Problem with personal statement of dispute
Complaint: I moved to a new home on XX/XX/XXXX to be closer to services for my XXXX child and during my move, my postal mail did not reach my new address in a timely manner. Consequently, Discover Card charged me {$27.00} late fee and {$5.00} in interest charges in fees on a {$270.00} balance. In the confusion of relocating with a XXXX XXXX child, I regretted not finding the time to notify Discover of my new address, so I paid the fees without complaint, but in addition to receiving an effective APR of 71 % for a two month late payment, Discover reported a late payment to the credit reporting agencies. Although the Discover Card website states that they will give " goodwill adjustments '' to customers who make a one-time mistake ( https : //www.discover.com/credit-cards/resources/how-to-raise-your-credit-score-fast/ ). As I've had no other derogatory remarks from Discover during my 21 years of being a customer, I requested a goodwill adjustment on XX/XX/XXXX, but was told that Discover no longer gives goodwill adjustments despite Discover 's own website recommending that longterm customers request one ( please see link above ). Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX child.
Company Response: Closed with explanation

Timely Response

2019-05-29

Carol City, FL

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

2019-05-29

San Gabriel, CA

Closing your account

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

Company closed your account
Complaint: Discover Credit Card On XX/XX/2019, I had called to verify that there had not been any issues with my Discover Credit Card as there has been a slew of credit cards being stolen from our mail box. Called a Discover Card rep and was told there was no issues and they would send me a new card just in case. XX/XX/2019 called to activate new card and was told the account was closed by " me '' on XX/XX/XXXX when I was just told the previous day I had no issues. How can a company allow for someone to provide no information to verify them being the owner of the account and request the account be closed? There is no accountability with them as they said they can not do anything to reinstate my account.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-29

Allenwood, NJ

Getting a credit card

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

Application denied
Complaint: I got a Discover it secured credit card XX/XX/XXXX billing cycle got a lot of negatives off my credit my. I got the secured card in XX/XX/2018 my brother same situation but alot of negatives on his credit and still does. He got his card a month later he makes alot more money I am XXXX. They r discriminating agaisnt me salary and XXXX also XXXX XXXX that I have complain to u about them. It's always about the XXXX peoplrei sm XXXX off iam XXXX I contacted legsl services. XXXX XXXX is agaisnt the XXXX. Well my brother graduated I got a better fico score my vantage score should be staying XXXX but they never did off cycle. Discover or XXXX XXXX. I know u haven't help me but when I get an attorney covering all angles. White people rdiscriminated agaisnt also.
Company Response: Closed with explanation

Timely Response

2019-05-29

Sylvania Township, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You
Company Response: Closed with non-monetary relief

Timely Response

2019-05-29

Sylvania Township, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You
Company Response: Closed with non-monetary relief

Timely Response

2019-05-28

Vienna, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-28

Buffalo, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-05-28

Patterson, MD

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: On XX/XX/XXXX I was checking my Discover Card statement I noticed two separate charges at XXXX that I did not purchase : XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$350.00} XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$420.00} From what I could tell someone accessed my XXXX online account which had my discover card in it. They made these two separate purchases and then picked them up in store, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I disputed the charges with Discover right away ( XX/XX/XXXX ) stating I did not make these purchases and the quickly reversed the charges. However once they spoke with XXXX, XXXX provided them with the receipts for the purchase which Discover deemed valid and then re-charged me. I received the dispute case closure notifications on XX/XX/XXXX and XXXX for each charge. I have since sent a notarized form to XXXX also disputing the charges. I received a response on XX/XX/XXXX from XXXX just stating the same thing saying it was valid and I need to follow up with Law Enforcement. On a side note on XX/XX/XXXX the person returned one of the items at a different store, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, and I did not see that return charge on my Discover Card. So as of right now I have been charged {$780.00} for items I did not purchase.
Company Response: Closed with explanation

Timely Response

2019-05-28

Buffalo, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-05-28

Richmond, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-05-28

Rockwell, NC

Incorrect information on your report

Student loan: Private student loan

Personal information incorrect
Complaint: I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.
Company Response: Closed with non-monetary relief

Timely Response