DISCOVER BANK

2019-04-01

Columbia, MO

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

2019-04-01

Foothill Ranch, CA

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
Complaint: In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.
Company Response: Closed with explanation

Timely Response

2019-04-01

Charlotte, NC

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: Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.
Company Response: Closed with explanation

Timely Response

2019-04-01

Seaford, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-01

Chestnut, NJ

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

2019-04-01

Lahaina, HI

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-03-31

Itasca, IL

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

2019-03-30

Irvine, CA

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

2019-03-30

Glenarden, MD

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-03-30

San Gabriel, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor ( Discover ) and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days the date of notification to cease and desist all reporting & collection attempts on this debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-29

Rock Hill, MO

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

2019-03-29

NC

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: On Friday XX/XX/XXXX, I responded to a XXXX XXXX XXXX advertisement for XXXX XXXX Tickets. ( XXXX ID : XXXX ; XXXX XXXX XXXX ). The advertisement was for 2 tickets for {$470.00}, based out of XXXX, XXXX. I was in XXXX, XXXX at the time but reside in XXXX, XXXX. The ad said to text them ( XXXX ) to set up the ticket transfer. They explained that they could accept payment through XXXX XXXX, XXXX, or in person. Unfortunately, in person was not an option for me, so I elected XXXX XXXX. They sent me an invoice from the account XXXX for {$470.00}, claiming that it was a typo from the agreed upon {$470.00}. I used my Discover debit card to pay the transaction at approximately XXXX XXXX on XX/XX/XXXX. After that point, I stopped receiving any text messages or other contact from the seller despite multiple attempts, including phone calls and emails as well. The payment went through on Monday XX/XX/XXXX and I still had not received the tickets or any further contact from the seller. I attempted to cancel the payment with Discover but they said it was too late and there was nothing I could do. I contacted XXXX multiple times to take down the post and they still have not done so. I contacted XXXX XXXX and was also told there was nothing they could do. I created a XXXX phone number on XX/XX/XXXX and contacted the seller and they responded saying that they had tickets available. When I confronted them about giving my money back, they stopped responding to that number as well. I filed a police report with the XXXX XXXX on Wednesday XX/XX/XXXX. I tried contacting Discover again on Friday XX/XX/XXXX to file a formal dispute over the transaction and they refused.
Company Response: Closed with explanation

Timely Response

2019-03-29

Anaheim, 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

2019-03-29

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover Bank has allowed an application to be submitted " Online '' in my name and then proceeded to open an account on Opened XX/XX/XXXX. This was after my wallet was stolen in XX/XX/XXXX. Following, I saw this on my credit report in XX/XX/XXXX. I notified Discover at that time, as well as notified the FTC that this account is appearing on my credit report ( s ) and that this is identity theft, whomever stole my identity ( Drivers license, social security card, email addresses, and also forwarded my XXXX mail ). After I found out I started correcting this issue which has been ongoing identity theft. I started by having the Inquiry blocked and notified the company this whole account was fraudulent. The company ( Discover Bank ) Advised me that the account would be closed to Identity theft, and that they would investigate this and send me an affidavit to fill out. Instead of disputing the account as identity theft and properly correcting the fraud that the crook opened. Discover decided that it was appropriate to harass me and my family. They called my father, Told me they called my mother, called my brother and my aunt. Me and My aunt already are victims of Identity theft. To call and harass us when clearly the account was fraud is redicules especially since discover isn't correcting the issue. Instead Discover decided it was appropriate to report to XXXX this fraudulent account was " Closed on XX/XX/XXXX. '' ) Again not what the CS Rep said and therefore reporting inaccurate fraudulent information at that. This account application was submitted online fraudulently without my knowledge, I did not sign any paper applications. Not only was this account opened there were several other accounts opened. My email addresses were hacked, and my mail was forwarded by the XXXX XXXX XXXX. I have since gotten these issues corrected but it has taken many years. Discover now told me that instead of reporting the account as Identity theft they are disputing the account as FRAUDULENT TRANSACTIONS. Let me specify that I did call in and report this to discover AS IDENTITY THEFT. I never received any cards from them and never used the cards, yet instead of correcting the ID theft. They decide to dispute the transactions as fraud. They are not following proper procedures and do not care to investigate the Identity Theft. I want all communication and harassment being placed to my employer, my father, me and my mom and my family All to stop immediately. Additionally, I sent the police report I am attaching below. I am a victim of Identity Theft. The Application for the original account that you closed now 4 Times according to your analyst was fraudulent. I never once received any card, did not use the card, and did not authorize the application which was fraudulent all the way around. I want this corrected immediately and this to be removed from my XXXX report as you are causing me monetary loss and losing thousands of dollars, also causing me damages because you keep reporting false information to the XXXX, XXXX and XXXX Credit Bureaus. This needs to be corrected, I do not find Identity Theft to be a joke. I am a victim of fraud and the crook is not in my family, Someone must be targeting my family I am not sure.
Company Response: Closed with explanation

Timely Response

2019-03-29

Sebring, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This is Identity Theft case. I didnt use this Discover card for years. I do not aware of this dispute until XX/XX/2018 after I received all letters of the delinquency of my credit cards. My record now is clear after disputing to XXXX back in XX/XX/2018. Except Discover card is back and force to send the same information to me. And forwarded to XXXX & XXXX for further question, I did send addition documents such as XXXX form, Utility Gas bill & my Driver license. Discover again sent me a letter which ignore what my additional documents, but just insisted the card is belong to XXXX
Company Response: Closed with explanation

Timely Response

2019-03-29

Tibbs, MS

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

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

Their investigation did not fix an error on your report
Complaint: On XX/XX/2019 Discover Financial Services were contacted by complainant due to incorrect XXXX XXXX Bankruptcy filing being reported to XXXX. Upon investigation, Discover found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. Discover verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. On XX/XX/2019 the complainant filed an online dispute with XXXX due to incorrect XXXX XXXX Bankruptcy filing reported by Discover Financial Services. A full description of the situation was provided in the dispute. During XXXX XXXX investigation, they contacted Discover, referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. On XX/XX/2019 the XXXX investigation determined that the reported XXXX XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. On XX/XX/2019 complainant contacted Discover and spoke with Customer Service Supervisor, XXXX ( employee ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to XXXX and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a XXXX XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the XXXX dispute claim in order to rectify the problem. On XX/XX/2019 Complainant called XXXX dispute office to challenge the dispute, offering to contact Discover Financial Services on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-29

Philatelic Center, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover Card submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then Discover card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-28

Detroit, MI

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-03-28

Baton Rouge, LA

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

2019-03-28

Youngstown, OH

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

2019-03-28

NY

Incorrect information on your report

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

Account status incorrect
Complaint: My daughter and I were joint account holders on a Discover credit card. She did become delinquent, and I paid the account off and closed it in XX/XX/2018. They are still reporting to credit agencies that we are carrying a balance and it is delinquent, and state the balance increases each month when it was paid in full over six months ago. I did write them a letter requesting they correct it, well over 30 days ago, but Ive had zero response from them.
Company Response: Closed with explanation

Timely Response

2019-03-28

Bronx, NY

Other features, terms, or problems

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

Problem with balance transfer
Complaint: Today, XX/XX/2019, I spoke to both, chat reps and phone reps to Discover credit card. I do love their services and features. I did get to transfer my balance with their awesome balance transfer feature and promotional APR of 0 % for 18 months. However, I figured Discover would allow more funds at different times to be transferred from other creditors which was my plan from the beginning. I wasn't aware that I needed another promotional offer to do multiple balance transfers on the same credit card. I never saw any rules or terms for that. I figured all creditors have the feature to perform balance transfer as long as its from other creditors and not within the same creditors. So the reps told me that I can not perform anymore balance transfers without a promotional offer from them. What's worse is that all reps confirmed that they do not know when the next promotional offer will show up in my account. They don't know and can't give a time frame. It's at random times, which is not clear. What criteria would I need to get another promotional offer? I feel that, they don't want customers to fully take advantage of their 18 month 0 % APR promotional offer which does help customers who want to be responsible for their debt. I was very disappointed with an ambiguous, arbitrary gray answer and ultimately I feel that Discover is more likely trying to burn off some time in months before allowing me to have this feature again so I can stay as their customer past their 18 month offer with the availability to transfer more funds halfway or later through the promotional timing.
Company Response: Closed with explanation

Timely Response

2019-03-28

PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: XXXX and XXXX again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.
Company Response: Closed with explanation

Timely Response

2019-03-28

S Dennis, MA

Problem with fraud alerts or security freezes

Student loan: Private student loan

Company Response: Closed with non-monetary relief

Timely Response

2019-03-27

Atlanta, 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 monetary relief

Timely Response