DISCOVER BANK

2019-05-15

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

2019-05-15

Carol City, FL

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

2019-05-15

Bella Vista, AR

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

2019-05-15

Aloha, OR

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-05-15

Addisleigh Park, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2019-05-15

Aliso Viejo, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2019-05-15

Fort Worth, TX

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

2019-05-15

Three Bridges, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.
Company Response: Closed with explanation

Timely Response

2019-05-15

San Francisco, CA

Improper use of your report

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

Reporting company used your report improperly
Complaint: I have a Discover card and got an unfair late payment report on my credit report. In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX XXXX XXXX account was closed due to inactivity. I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late payment instead, and Discover does not report late payment unless its 60 day past due. I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.
Company Response: Closed with explanation

Timely Response

2019-05-15

Columbia, SC

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

2019-05-14

Canaan Lake, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-05-14

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

2019-05-14

Bellflower, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

CA

Identity theft protection or other monitoring services

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

Received unwanted marketing or advertising
Complaint: XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-14

Oxford, GA

Closing your account

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

Company closed your account
Complaint: Discover closed my account without my knowledge.
Company Response: Closed with explanation

Timely Response

2019-05-14

Key Biscayne, FL

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: To Whom It May Concern : I recently obtained a copy of my credit report from XXXX, and it indicated that a credit inquiry was made by Discover on XX/XX/2019 on XXXX. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this fraudulent inquiry and have it removed from my credit report. I have contacted Discover several times and they arent willing to assist because they do not have a record of the hard credit inquiry in their files and refuse to assist me and will not follow up with XXXX to report I did not authorize the hard inquiry on XX/XX/2019. Please have this inquiry removed from my credit report, as it will have a negative effect on my loan applications and my acquisition of credit in the near future. I have sent this letter via certified mail to Discover Credit Operations as it requires their prompt attention and response. Conversely, Discover has refused to provide documentation to support that my authorization was in fact obtained for making this hard credit inquiry on XX/XX/2019. I would appreciate your assistance since I also have had an identity theft victim fraud consumer alert since last year and a consumer a statement that says to always call me prior extending or applying for credit under my name. With that said Discover did not comply with the instructions from my consumer statement and I did not receive a call from Discover and they are not willing to assist me. Thank you for your prompt assistance. Sincerely,
Company Response: Closed with explanation

Timely Response

2019-05-13

Staten Island, NY

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

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

Investigation took more than 30 days
Complaint: This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Company Response: Closed with explanation

Timely Response

2019-05-13

Canaan Lake, NY

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

2019-05-13

Gloucester City, NJ

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I applied for a home equity on XX/XX/2018 and received the loan on XX/XX/2018. On XX/XX/2018 I was issued a closing disclosure that stated no prepayment penalty on the loan. Now I have learned there is a prepayment penalty on the loan. If I knew this upfront on the closing disclosure I would have never closed. Because of this bait and switch, I was forced to close on a loan with different attributes than on the closing disclosure. I would like all interest paid returned and the prepayment fee waived and allow me to pay of the loan without penalty as on the closing disclosure.
Company Response: Closed with explanation

Timely Response

2019-05-13

Magnolia, TX

Getting a credit card

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

Application denied
Complaint: Denied credit for dubious reasons : " Derogatory public record or collection filed % of balance to high credit on banking revolving or all recolving acct Too few accounts currently paid as agreed '' 1. I have 1 collection accnt 2. This is a false statement 3. I have 3 accts. How can they deny me new accounts when I am not using them?
Company Response: Closed with explanation

Timely Response

2019-05-13

Denver, 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
Company Response: Closed with explanation

Timely Response

2019-05-12

Pacific City, OR

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: My Discover Card statement ending XX/XX/XXXX has a credit balance of - {$220.00} as stated in the Account Summary. In addition, words at the bottom of the statement say " Your account has a credit balance. No payment is due '' On the statement ending XX/XX/XXXX in the Account Summary it shows the previous balance of - {$220.00}. However, they added that amount to debits owed instead of as a credit. The bill says I owe {$210.00} when in fact they owe me {$370.00} I called and talked to XXXX in billing and when I asked for a manager he lied and gave me another billing agent. Neither one could help me and the last agent XXXX said a billing manager is not available. They will not admit the Account Summary is incorrect.
Company Response: Closed with explanation

Timely Response

2019-05-12

Vienna, NC

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

2019-05-12

Cols, GA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-05-12

Ft Myers, FL

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Discover personal loan They send me offers then didnt give me the loan base on old information on my credit report Plus XXXX personal loans They offering and make you apply then said Oh we sorry we couldnt approve at this time Like its wrong every one deserves a chance
Company Response: Closed with explanation

Timely Response