DISCOVER BANK

2019-05-08

Cols, GA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-08

Durham, NC

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

2019-05-08

Cane Creek, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry
Company Response: Closed with explanation

Timely Response

2019-05-08

Cane Creek, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry
Company Response: Closed with explanation

Timely Response

2019-05-07

Fairfax, VA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-07

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 non-monetary relief

Timely Response

2019-05-07

Bohemia, NY

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: Received a letter from XXXX XXXX XXXX, XXXX. Representing Discover Bank, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX XXXX XXXX : XXXX Part. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.
Company Response: Closed with explanation

Timely Response

2019-05-07

Havana, FL

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-05-07

Ft Lauderdale, FL

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

2019-05-06

Del City, OK

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

2019-05-06

East Brooklyn, CT

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-05-06

Jupiter, FL

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: On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover, customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.
Company Response: Closed with explanation

Timely Response

2019-05-06

Calico Ridge, NV

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

2019-05-06

Buck, PA

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: Many times since XX/XX/XXXX loan off forbearance and due to various messages and harassing phone calls to me and co-signer who is my mother we are not being heard. No options to repay loans at lower amount or release my mother as co-signer. She is on XXXX for last several years and has had many medical issues which are ongoing. During time loans were taken out my father also passed away and loans were based on his income. This has all been relayed to Discover Student Loans and asked to stop calls, etc. which have still not stopped. I offered to pay about {$50.00} each month, but they are not happy with this. Loan apparently is listed at default now. Will not see if hardships or changes can be made and state they do not do this for anyone. Mentioned what if someone sick or dies and would not answer this question. Even when I called XX/XX/XXXX and others times and mother XX/XX/XXXX, XX/XX/XXXX. Started calling XX/XX/XXXX to resolve or get help. Feel they are using this tactic to threaten us. I can not get by with all my other bills to pay the monthly bill. Put this in writing asked asked to handle by higher up department or CEO and they would not confirm who has read the letter.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-06

Oxford, GA

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: On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. Thank you PS : My VISA account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-06

Oxford, GA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. I took action and put a security freeze and fraud alert on all the credit agencies. On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. I reviewed a new credit report and the scammer 's address was now on my credit report. I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. Thank you.
Company Response: Closed with monetary relief

Timely Response

2019-05-05

FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.
Company Response: Closed with explanation

Timely Response

2019-05-04

Odell, 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
Company Response: Closed with explanation

Timely Response

2019-05-04

San Diego, 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

2019-05-03

Hinsdale, IL

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

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

Was not notified of investigation status or results
Complaint: Discover card put a block on my acct and blackballed me from contacting them by phone had a 3rd party to call who heard all my business at that time made aware about a block was hoping it was not due to the fact I had commented the review process at the time of my request for an increase was never approved even when my credit was credit worthy also asked them if any XXXX American were cust serv reps
Company Response: Closed with explanation

Timely Response

2019-05-03

Powell, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2019-05-03

Carrollton, LA

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

2019-05-03

NC

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 have had an account with Discover since 2008, and in that time frame I have never missed a payment by more than a few days. Due to unfortunate circumstances ( a school bus hit my townhome ) I found myself the day before closing on a new house and was told I had a 30-day late payment on my credit report. To my surprise they told me it was my Discover card, that I had no idea was late. I am set-up for paperless billing and I had not received a statement, payment due notification, late statement, etc. I reached out to them to explain the circumstance and they claimed I received emails. Additionally the way Discover has set up their online portal if you miss a payment the payment due date doesn't change to " Past Due '' it changes to the next month 's due date, so even after I knew it was late I logged in and had no idea as it was not indicated in my due date. I feel like this is a very deceptive act and is built in a way for Discover to profit on late fees.
Company Response: Closed with explanation

Timely Response

2019-05-03

Orlando, 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

2019-05-03

Fairmount Cty, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response