DISCOVER BANK

2019-05-12

Boise, ID

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

2019-05-11

Greenwood, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-11

Ft Myers, 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

Investigation took more than 30 days
Complaint: I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card
Company Response: Closed with explanation

Timely Response

2019-05-10

New Bedford, MA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with XXXX ( XXXXXXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXX site have been unbelievably helpful ; when no one else was.
Company Response: Closed with explanation

Timely Response

2019-05-10

Foothill Ranch, CA

Problem when making payments

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

Problem during payment process
Complaint: i have a credit limit of {$1000.00}. I made the minimum payments for a few months after spending 90 %. i communicated with them after my bank account declined the minimum payment so i received payment. A little over a month later i stated in a phone call i will pay off the entire balance instead of just minimum. With my lack of financial literacy i made the entire payment a night before the month ends.It wasn't for a few days, the missed payment on my credit report and also wasn't get credited until 10 days after. I believe in good faith so the action of trying to pay off the entire amount and not just the minimum should be given grace for a missed payment that vastly affects my score
Company Response: Closed with explanation

Timely Response

2019-05-10

Darnestown, MD

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

2019-05-10

Palos Park, IL

Closing your account

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

Company closed your account
Complaint: I have had this Discover credit card since XXXX and have never made a late payment. I paid the card off the card XX/XX/XXXX I came into some money and paid off all my cards.I had some credit issues on or about XXXX but have not paid late on anything since. I'm disputing some 2 medical bills that should have been paid by my health insurance that I know about. I feel discriminated because I was never contacted by anyone to tell me what I should have done to avoid having this {$500.00} credit limit card closed. Please advise on this matter so that I understand why I was treated like this.
Company Response: Closed with explanation

Timely Response

2019-05-10

Leeton, UT

Fees or interest

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

Problem with fees
Complaint: Discover Bank is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Company Response: Closed with explanation

Timely Response

2019-05-10

Jersey City, NJ

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

2019-05-10

NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: My XX/XX/2019 statement requested a minimum payment of {$250.00}. Which I paid. Discover then charged me {$260.00} in interest for that month. How can they not apply any part of my payment towards my bill? Is that legal. I have good credit. XXXX according to discover, can they just keep raising my interest fees for no reason. I have never had a late payment
Company Response: Closed with monetary relief

Timely Response

2019-05-10

Silver Spring, MD

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 explanation

Timely Response

2019-05-10

Vineland, 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
Complaint: I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.
Company Response: Closed with explanation

Timely Response

2019-05-09

Glen Burnie, MD

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
Company Response: Closed with explanation

Timely Response

2019-05-09

Chicago, IL

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-05-09

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

2019-05-09

Panther Creek, TX

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 monetary relief

Timely Response

2019-05-09

Rock Hill, SC

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

2019-05-09

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: On XX/XX/XXXX I purchased a new auto insurance policy through XXXX XXXX XXXX, and I gave the Insurance consultant goes by the name XXXX XXXX my XXXX XXXX XXXX Checking Account information to set up an automatic payment plan. XXXX XXXX XXXX took {$190.00} from my account that day. I believe Mr. XXXX has something to do with my case because three days later on XX/XX/XXXX, {$1200.00} ( that was all the money I had in my bank account ) was withdrawn from my account by the XXXX XXXX XXXX located in XXXX, California. I immediately investigated this suspicious transaction with my bank and they told me that a Levy was placed on my account by the XXXX XXXX XXXX who represents Discover Card. I knew right away that this had to be fraudulent, because I never had a Discover Credit Card. Upon reviewing the levy in person with a banker at a XXXX branch located in the city of XXXX, I learned that my name, social security number, and a random home address appeared to be in the City of XXXX XXXX ( I never lived at that address, and I don't know anyone who lived there ) were used to apply for the Discover Credit Card and got approved for nearly {$14000.00} sometimes in XXXX, and this person whoever applied for the credit card spent {$13000.00} on an account ending in XXXX. When I initially called Discover Card to ask them about this, no one could find a credit card account ending in XXXX. Then they asked for my social security number, and I gave it to them because I thought they already knew my SS # as showed on the levy. After I was placed on hold for awhile, the representative of Discover Card came back and told me that she found the account ending in XXXX, and if I wanted to dispute the levy I had to contact the XXXX XXXX XXXX directly because they were hired to collect the money and they would have all the information pertaining to the case that Discover Card did not have. I asked her if Discover Card had any record of payments made to the account and she said yes and she also told me she would send me a hard copy via regular mail. I made several attempts to contact the XXXX XXXX XXXX for about two weeks after I first learned about the levy via telephone but did not get a reply. I filed a police report and tried to work with XXXX to dispute the unauthorized transaction and have not made any progress. People from the XXXX XXXX XXXX wouldn't talk to me if the conversation was put on speaker phone or recorded. On the last week of XXXX, a female representative from the firm finally spoke to me about the case. She told me that the case had been placed in dispute status and I should receive " some paperwork '' from them within 2 or 3 days in the mail. Almost 2 weeks later and still no paperwork arrived in the mail, I decided to show up at their office to investigate and get the paperwork in person. At the XXXX XXXX XXXX I learned that my case was assigned to an attorney associate named XXXX. I asked XXXX if his law firm obtained my XXXX XXXX XXXX account information from XXXX XXXX XXXX to which he did not deny and only said this, and I quote " we have a research team and that's how we got it. '' I also asked him who would I talk to regarding the dispute, XXXX XXXX XXXX or Discover Card, and he specifically told me not to contact Discover Card about the case and to only speak to his law firm regarding the dispute because they were the one who would conduct the investigation and determine its outcome. I also told him that the only people I know personally who had access to my personal identity information at that time were my mother and ex-domestic partner, XXXX XXXX. After he gave me some paperwork to take home to complete and send back for investigation, I asked him when can I expect the investigation to end and be notified the result of the finding. He told me the investigation would take about 2 weeks to complete. Within a week later, I certified mailed all documents required by the law firm, including the police report, an Affidavit, and a personal handwritten answers to all the questions they asked. Two weeks after the XXXX XXXX XXXX received the documents from me and they did not contact me regarding the result as they promised. During this two weeks of waiting period, a female staff from Discover Card investigation department called me and demanded that I must submit a utility bill that could prove I did not live at the address indicated on the Discover Card application. She told me that this would be the deciding factor of her investigation. I told her that her demand of a utility bill from a place I lived more than 10 years ago was unreasonable because any normal person would have not kept a copy of their utility bill that long. I asked if she would accept another form of document that would prove I did not live at that address like a credit report or a DMV record, and she insisted that the only form of document she would accept as proof was the utility bill and that the utility department would have it available for me upon request. I called the XXXX XXXX utility department and they told me they did not have any record older than two years. From this point forward until I received a a second letter of the result from the XXXX XXXX XXXX today, both Discover Card and the XXXX XXXX XXXX changed their story completely around.but accused me of being " confused '' and misunderstood them. On my second trip to the law firm after more than two weeks from the day they received my documents but showed no ending in sight, XXXX wouldn't come out and talk to me in person. Instead, he sent another guy out to talk to me, whom when asked if he was a lawyer answered " no '' and " yes '' at the same time very quietly. He also informed me that the firm did not know when the investigation was going to end, and they did not do anything shady. Meanwhile I received several calls from a male staff who said he was from the same Discover Card investigation team told me that they never said the utility bill was a requirement, let alone the deciding factor of their investigation. He accused me of being confused because they were the one who solely responsible for the investigation and its outcome, and the XXXX XXXX XXXX was only available to collect the money and not to do the investigation. Also, the utility document was never a requirement, only optional, let alone the deciding factor of their investigation. They also said that me showing up unannounced at the law firm office was unconventional and should not be repeated. Today XX/XX/XXXX, I received a second letter from the XXXX XXXX XXXX with the result of their investigation. According to the letter addressed to " Sir or Madam '', which by the way has a completely different letterhead compared to the letter documents I received from Discovered Card about the payments made to the account ending in XXXX weeks ago, Discover Card concluded that the balance of the account ending in XXXX to be valid, and the only evidence provided to support their claim is a copy of two checks made as payments to the account, one from my sister and the other from XXXX XXXX. A quick look at the writing on the checks I can tell you with 100 % certainty that the writing on the check does not belong to XXXX XXXX, whom I had a 14 years relationship with. When I showed my sister the copy of the check, she said someone tried to make it looks like her handwriting but it is obviously not her handwriting. She confirmed that she did not write that check. I noticed there are two different versions in form of the court order or levy. The original one I got from XXXX XXXX XXXX on XX/XX/XXXX looks very different from the one I received in the mail package today XX/XX/XXXX. Also the dates and names of the creditor Discover appears on the documents they provided are all over the place even though they are presumably about one account. For example, the date appears on the XXXX XXXX XXXX check is dated " XXXX '' and " Discover '' is written on the space designated for Pay to the Order of, and the date appears on the XXXX XXXX XXXX check is dated " XX/XX/XXXX '' and " Discover Platinum Card '' is written on the space designated for Pay to the Order of, meanwhile the actual name of the credit card in question appears on the statements is Discover More Card and the dates are from XX/XX/XXXX to XX/XX/XXXX. The exact date the account was opened was not provided or indicated anywhere. If you would like to receive a copy of the two different versions of the levy and the billing statements, please contact me directly via phone call or email at anytime. I would be more than happy to send them to you for review. I have suffered a huge financial loss as a result of this fraudulent incident, including lass of work and very bad credit scores that have prevented me from getting loans for my business. Please help me.
Company Response: Closed with explanation

Timely Response

2019-05-09

Mandeville, LA

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

2019-05-09

Hinkley, CA

Closing your account

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

Company closed your account
Complaint: I am disputing the closing of my account for no valid reason. I was never late on making payments on time or going over my credit limit. I'm assuming company closed my account because of non usage for a couple of months.
Company Response: Closed with explanation

Timely Response

2019-05-09

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I am filling a complaint against Discover Bank for abusive and deceptive business practices pursuant to UDAAP, which the CFPB has jurisdiction. I have repeatedly disputed, denied, and demanded stick proof there of regarding any alleged debt owed to them. They have refused to comply with my demands, upon repeated notice. I have attached files as exhibits to support my complaint. Discover Bank both lack standing, and fail to state a claim for which relief can be granted.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-09

Simi Valley, CA

Incorrect information on your report

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

Public record information inaccurate
Complaint: The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. XXXX, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-09

Pasadena, 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
Complaint: On XX/XX/19, Discover had a XXXX deliver their credit card without a signature onto my front porch at XXXX. I was not home at the time. About 2 hours later, per Discover credit card, there were about {$700.00} on charges on my credit card. At 5 pm the same day, Discover called to ask if I received my credit card, which I told them I had not been home. They said they would start a fraud investigation. About a week later, after I gave XXXX ( I was XXXX XXXX XXXX when all the fraud happened ) Discover calls me to tell me that the card was activated from my cell phone number. I told them I did not make that call. 2 weeks later, Discover informs me I am liable for the charges on XX/XX/19-that same day I faxed them my cell phone bill with log showing I did not make the call to activate the card, as well as the police report ID I filed that same day. I feel that Discover has been negligible in investigating this incident as I did not receive the credit card, have proof that I did not make the phone call to activate the card, and is still charging those charges to me. If Discover works with the police to pull the tapes from the XXXX where those fraudulent charges were made, I am sure they wont see a XXXXXX/XX/XXXX lady trying to pull money out of an ATM ( which were a majority of the charges ).
Company Response: Closed with non-monetary relief

Timely Response

2019-05-09

Palestine, TX

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

2019-05-08

Burbank, 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 explanation

Timely Response