DISCOVER BANK

2019-04-09

Littleton, CO

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-04-09

Washington, DC

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

2019-04-09

New Britain, CT

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with non-monetary relief

Timely Response

2019-04-09

Manakin, VA

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

2019-04-09

Tibbs, MS

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with DISCOVER. The account Discover is NEGATIVELY reporting DOES NOT belong to me! XXXX has lowered my credit by 12 point, thus changing my creditworthiness!
Company Response: Closed with explanation

Timely Response

2019-04-09

NV

Incorrect information on your report

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

Account information incorrect
Complaint: On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.
Company Response: Closed with explanation

Timely Response

2019-04-09

MS

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: I been contact by XXXX XXXX XXXX XXXX many times and I have tried to work a payment with them and they don't agree, they want the full amount. One time he said he couldn't understand me because I have a XXXX accent, which I reply yes I'm XXXX. After this he said I pay this before they send me to XXXX which I said what are you saying then he said before you go to XXXX. Many times he has threat me that I'm going to be arrested because I don't pay. I do want to pay but I don't have the full amount. I want to work with them doing a monthly payment but they want the full amount.
Company Response: Closed with explanation

Timely Response

2019-04-09

AZ

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Complaint: I WAS CHARGED FOR SEVERAL AMOUNT ON MY DISCOVER CARD ON SEVERAL DIFFERENT DATES. I CALLED DISCOVER AND REPORTED FRAUD AND THEY DID GIVE ME THE CREDIT BUT THEN THEY TOOK IT BACK BECAUSE THEY SAID THAT I PAID MY BILL, AND THEY DONT UNDERSTAND WHY I WOULD PAY FOR MY BILL IF I DIDNT MAKE THE CHARGES. I EXPLAINED TO THEM THAT I HAVE HEALTH ISSUES AND DID NOT LOOK OVER MY STATEMENTS BECAUSE I DO USE MY CARD TO PAY BILLS AND SHOP HOWEVER I NEVER PAID THESE AMOUNTS FOR XXXX XXXX XXXX ON MY CARD FOR ANY TRAVEL COMPANIES OR TIMESHARE. I DID NOT AUTHORIZE THESE CHARGES AND I DONT KNOW WHO THESE COMPANIES ARE. BUT THEY DISCOVER CARD REP WAS RUDE TO ME AND WAS NOT VERY HELPFUL OR DID NOT CARD TO PROTECT ME AS ONE OF THERE CUSTOMERS. PLEASE HELP ME GET MY MONEY BACK. DISCOVER DID GIVE ME THE CREDIT ON MY CARD FOR ALL THREE TRANSACTIONS BUT TOOK IT RIGHT BACK. WHAT WOULD HAVE HAPPEN IF I USED THIS CREDIT THEN I WOULD OWE MORE MONEY TO THEM. THIS IS NOT RIGHT AND I SHOULD BE PROTECTED AS A SENIOR CITIZEN. I HAVE NO IDEA WHO THESE COMPANIES ARE WHO CHARGED MY ACCOUNT AND I WOULD LIKE MY MONEY BACK.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-08

Glendale, CO

Other features, terms, or problems

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

Privacy issues
Complaint: Discover sent unauthorized credit cards in my name to addresses that I haven't lived at to a fraudulent user that illegally used the card.
Company Response: Closed with explanation

Timely Response

2019-04-08

Atl, GA

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

2019-04-08

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 non-monetary relief

Timely Response

2019-04-08

Ridley Park, PA

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 non-monetary relief

Timely Response

2019-04-08

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-04-08

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

2019-04-08

OH

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 purchased a XXXX XXXX XXXX XXXX 10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX and sent a card in and they confirmed with a certified letter that it was not an authentic XXXX 10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation.
Company Response: Closed with explanation

Timely Response

2019-04-08

Piscataway, NJ

Problem caused by your funds being low

Checking or savings account: Savings account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-04-08

Glendale, CO

Other features, terms, or problems

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

Privacy issues
Complaint: Discover is harassing me due to an account and related charges that they allowed a fraudulent user to obtain access to my credit card. I have called or emailed in weekly with additional information, with requests for updates, with a request for a contact person to reach out to me directly. However all they do is hang on most of the phone calls, delete information I have sent in, or remove my requests for review, and then mail out letters demanding payment for charges that ( 1 ) I have already paid for and ( 2 ) that I have consistently proved are fraudulent ( 3 ) and that I have been double billed for. The customer service departments and executive office refuse to call me back and talk in person to resolve this, but continue to add bonus charges and fees for their mistake in billing.
Company Response: Closed with explanation

Timely Response

2019-04-08

Occoquan, VA

Unexpected or other fees

Credit card or prepaid card: Government benefit card

Complaint: I am writing this petition regarding credit card billing procedures and resultant ramifications, as an attempt to call attention to the credit card industry 's practices, and how over time they have become accepted and regarded as fair, responsible, and transparent when, in fact they have become extremely difficult to understand, hidden in fine print, and virtually impossible to calculate by the average consumer. This lack of transparency, deliberate or otherwise, can be entrapping, and expensive ( some may argue usurious depending on which method of calculation, or which definition of usury might be used ). My motive is not to call attention to Discover Card in particular, but to an entire industry whose practices have evolved to be unfair and obscure to the average consumer in my opinion ( I have another credit card which employs similar practices and calculations ). It is a sincere plea for transparency. I recently experienced the following events that occurred over the end of this past year as I received and paid my statement balances regarding my Discover More Card. I believe there is cause to be concerned about the excessive interest charges that accrued and compounded as a result of a minor error on my part. The excessive interest charge resulted from the calculation method used which is referred to in the fine print of the credit card agreement and the fine print on my statement. However, it is my opinion that the excessive amount was greatly exacerbated by less than full transparency as shown on the Discover statement format and labeling, and, in my opinion, is likely to be adversely affecting many other unknowing credit card users. I have included copies of my pertinent statements and letters of correspondence with Discover Card. In my case, I normally pay off my full credit card balance as shown on my statement as the " New Balance '' every month ; however, I mistakenly underpaid the New Balance on the XX/XX/XXXX, statement by XXXX cents ( {$.00} - one thin XXXX ). Consequently, my account was in arrears causing my XX/XX/XXXX, statement to be charged {$14.00} in interest. This interest was computed on a daily basis on the amount of my XXXX charges and was included in the XXXX New Balance which I paid entirely as I normally do in a timely manner, but I failed to notice the {$14.00} interest charge which had accrued. Even though the XX/XX/XXXX, " New Balance '' had been paid entirely and in a timely manner, I was charged another {$22.00} in interest on my XX/XX/XXXX, statement which, was computed on a daily basis on the amount of my XXXX charges plus interest from the closing date of my XXXX statement ( XX/XX/XXXX ) until the payment of the balance on my XX/XX/XXXX statement was received. ( See Discover letter dated XX/XX/XXXX. ) As I understand it, the reason Discover could charge the interest on the XXXX statement, even though the New Balance on the XXXX statement was timely paid, was because interest on the XXXX New Balance continued to accumulate from the time the XXXX statement was mailed. And, therefore, even though my XXXX New Balance was timely paid there still was a balance due on my XXXX bill. In any event, when I received my XX/XX/XXXX statement I noticed the interest charges on my statements and contacted Discover concerning them. They agreed that {$37.00} ( {$14.00} plus {$22.00} ) in interest on a XXXX cent underpayment was excessive and removed both interest charges. After further inquiry with a supervisor with Discover, I was assured that further interest charges would have been stopped after the second month of paying in a timely manner the " New Balance '' amount shown on my monthly statement. A representative of XXXX XXXX XXXX later told me that this two-month protection is a federal regulation. Otherwise, as I understand it, these interest charges would continue ad infinitum even though I would continue to pay in good faith the " New Balance '' amount on each subsequent statement. In my opinion, not only does this billing procedure result in a disproportionate financial impact on the cardholder ( in my case {$37.00} in interest in two months because of a XXXX cent underpayment ), but also, in a worst-case scenario, it could possibly adversely affect a cardholders credit rating. To me it is obvious that this billing procedure is less than transparent and should be changed. Perhaps, by a caveat on the face of the statement ; perhaps by a text message and/or email notification that interest calculations have been initiated and/or continue on the account ; perhaps by posting the card 's daily interest calculations on a website viewable by the credit card holder or perhaps in some other way. Thank you for taking my concerns under consideration, and I look forward to hearing from you. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX Cell Phone and Text : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-08

South Florida, FL

Problem when making payments

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

Problem during payment process
Complaint: I payed faithfully 18 months on time payments overdraft my acutal banking account if necessary. This was my first actual credit card after 18 months with a {$500.00} credit limit. I was notified i owed over $ 1k dollars as XXXX year old working for $ XXXX/an hour XXXX job. I refused to pay. I asked how was this even possible. The representative responded my payments didn't go through. I then replied if this were true how was i granted more credit. I was told that i was being sneaky mind you all my payments were done via the actual discover app straight from my bank account at the time and i had the overdraft fees to prove it. I sent in documents and disputed my heart out as i watched for the very first time my credit plummeted. I eventually saved up and payed in full expecting it to be deleted, and to put this all behind me. Naive of me it never did and my credit went up maybe 6 points. 6 years later my credit still has never been the same
Company Response: Closed with explanation

Timely Response

2019-04-08

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: In XX/XX/2018, I received a bill in the mail for my credit card that was maxed out. That's when I noticed it was stolen ( as it originally had a XXXX balance on the card ). I called Discover to notify them of my card being stolen and made a fraud report. The transactions total over {$4000.00}. Discover held an investigation since this time, but is still reporting me liable for these charges. I have provided numerous documentation to help support my claim from police reports, to phone records, to identity theft documentation, etc. I would like help in resolving this matter as I don't feel it's fair for me to make these payments on transactions that I didn't make.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-07

And, SC

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

2019-04-07

Seneca, SC

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2019-04-07

Castaic, CA

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
Complaint: to remove all my credit inquiries on file
Company Response: Closed with explanation

Timely Response

2019-04-07

CA

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 dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of 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 monetary relief

Timely Response

2019-04-06

Auburn Hills, MI

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 non-monetary relief

Timely Response