DISCOVER BANK

2019-03-13

Hartsville, PA

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

2019-03-13

Gloucester City, NJ

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Upon taking out my private student loan with XXXX for my XXXX degree, I had slightly over {$30000.00} in private student loans which were consolidated into XXXX loans in XXXX. In XXXX or XXXX, XXXX sold/sent those loans to Discover - I did not sign anything new just received a mailed letter informing me that XXXX would be my loan processor. Since that time, I have paid over {$31000.00} in student loan payments but still owe {$37000.00} somehow. In further looking into it with my husband, we see there is an 8.95 % interest rate. I never had that high of an interest rate with XXXX - in fact I recall having XXXX loans originally ( one at 4.75 % and possibly one at 7.75 % [ I can not find any paperwork from XXXX with this rate on it however ] ) and I consolidated those loans but never at that rate. We reached out to Discover on XX/XX/XXXX and made a formal request to have all loan documents sent to us. At that time we were informed it would be XXXX business days. We were informed if Discover changed the rate after taking over servicing the loan they would have to have sent a loan origination document for me to sign ( I never received one or signed one ). As of today, I have not received any documents from Discover - nearly a month out. In speaking with Discover today XX/XX/XXXX, during my first phone call an agent tells me there is a " will call out for an approval disclosure that was not received '' and that her records indicate a transaction history was sent to me on XX/XX/XXXX ( I have not received this ). She also indicated that Discover was trying to reach me via phone on XX/XX/XXXX and XX/XX/XXXX - it's possible they called me but I did not answer ; though I do not have any voicemails. She said they didn't clearly state why they needed to talk to me. She also said " it usually doesn't take so many departments '' to fulfill a request like mine. I requested again that the loan documents be sent to me and also asked that any phone recordings be sent over to me as well. My husband called back to get more clear information based on what I was told but did not get any information so I called again. This time, the representative I spoke with was less transparent in reading me the notes on my account ( to which I asked why I couldn't have the entirety of the notes and she said they were internal ). This representative told me that the promissory note ( which she said went through a second review ) and transaction history were both sent to me on XX/XX/XXXX via XXXX mail no tracking number ( I did not receive them to this day ). She also informed me that the original timeframe I was given for documents to be sent to me ( 7-10 days ) was incorrect, and that it was actually 30 days. When I asked her to be clear if there were any other documents besides the XXXX mentioned that were mailed ( and I did not receive ) she said there is an " approval disclosure '' form in its second will-call. I asked the date on this she said XX/XX/XXXX. When asked what it meant, she let me know that they do not have the document and it's a second attempt to retrieve it. She then informed me that the documents " sent on XX/XX/XXXX '' that I didn't receive, today would mark the start of another 30 days they have to get them to me. However, as I pointed out to her, the approval disclosure which she told me is when you " accept the loan terms '' was part of the XX/XX/XXXX request and 30 days would put us at this weekend. When I asked what would happen if they weren't sent to me within 30 days, she told me they would keep looking for them. She also told me that if I wanted the recordings of our phone conversations, the legal department would have to decide if I could have them. The documents I have from XXXX show a 4.75 % interest rate on a consolidated loan and so far, no records have been produced by Discover to show I agreed to 8.95 %. They have not provided me with proof of this interest rate in a timely manner. They are inconsistent in what they are saying and they aren't being transparent.
Company Response: Closed with explanation

Timely Response

2019-03-13

Jupiter, FL

Incorrect information on your report

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

Account information incorrect
Complaint: I paid my full balance for my discover credit card on XX/XX/2019 and it's still not updated and called them multiple times and still nothing and it adversely impacting my credit score. I would like my account updated to a XXXX balance ASAP and any late payments removed because this account was paid on time.
Company Response: Closed with explanation

Timely Response

2019-03-13

Glenmont, OH

Other features, terms, or problems

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

Other problem
Complaint: I have previously made payment arrangements with Discover. Discover continues to make multiple harassing telephone calls to me at my telephone number as dated in detail below : XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX As you can see, this far exceeds the once daily telephone calls & is considered to be harassing at this point.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-13

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
Complaint: I used a discover card for a purchase on XXXX XXXX for a vacation rental. The rental property didn't exist and so I was charged money by a fraudulent person through XXXX using a Discover Card. I notified the police immediately in the town and had them run an investigation in which they pursued people of interest and sent the report to Discover Card. Discover Card after an internal investigation ruled against me and ordered me to pay the penalties and interest. I will pursue this further but would like to initiate a formal complaint that their dispute process which agreed that I can be billed for a service that I clearly never received.
Company Response: Closed with explanation

Timely Response

2019-03-13

Alpharetta, GA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-03-13

South Florida, FL

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: The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.
Company Response: Closed with explanation

Timely Response

2019-03-12

Grover Beach, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: My information is bad
Company Response: Closed with explanation

Timely Response

2019-03-12

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

2019-03-12

Arroyo Seco, NM

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: This is the letter I sent to Discover regarding The Credit Card Accountability Responsibility and Disclosure Act ( or Credit CARD Act ) was passed by the United States Congress in XXXX, expanding on the Truth in Lending Act, and took effect in XXXX. Its purpose was to curtail deceptive and abusive practices by credit card issuers. Discover Financial Services XXXX. Box XXXX XXXX XXXX XXXX, UT XXXX Dear Discover Financial Services regarding last 4 digits # XXXX, I have been in contact with our lawyer. And he advised me to send Discover a Demand Letter. My daughter has been notified in writing and verbally from Discover of legal action and of her credit being negatively impacted. My daughter, XXXX XXXX SS # XXXX Cell # XXXX has given you verbal permission for me to communicate with you. XXXX opened an account with you last XX/XX/XXXX when she was XXXX. She was given a link to apply for a credit card from a fellow XXXX friend who would credit {$50.00} for referring her and XXXX would be credited {$50.00}. My daughter filled out the online application including that she made {$4000.00} a year and had a savings of {$1000.00}. She was awarded a credit limit of {$1500.00}! She made purchases and made maybe a couple of payments. In XX/XX/XXXX she asked for a credit increase and was awarded another {$300.00} increase. She requested another credit limit increase in XXXX and was denied. As you are aware : In XXXX Congress passed the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( Credit CARD Act ), which amended the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) to provide greater substantive protections, including special provisions for borrowers under age XXXX and college students. As it reads : ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. So, essentially Discover needed proof that my daughter had a source of income. She was not asked to submit any evidence on your online application. She did not give you a written application. With the {$50.00} - {$500.00} incentive, without a cosigner, without proof of income, you manipulated her into getting a credit card with a credit limit that was inappropriate. These are the reasons for the ACT in the first place and Discover went around that law. You also have student credit cards that would have been more appropriate for her. In the end, it created an unsuccessful experience with understanding credit, paying off debts, and building credit for my daughter. When someone borrows money and they are at 30 % of the poverty income, they can not pay it back. Its plain common sense regardless of any formula that you have. She had no means of paying off a credit card in the first place, nor does she have that now. She has been reported for late payments up until XX/XX/XXXX. Discover has removed late fees. I have brought her account up to date. Discover needs to understand and take partial ( 30 % ) responsibility for the fact that a XXXX-year-old with no source of income other than what we give her monthly to live as a student was irresponsibly awarded a credit card with not a {$250.00} or {$500.00} credit limit but, a {$1500.00} and then {$1800.00} credit limit! You did that without any proof of income, which is required by law. Please remove 30 % ( {$540.00} ) from her principle. I will pay the rest in one lump sum when that has been confirmed and a written form of communication stating that her credit report reads that the account is up to date and that the previous late payments were reported in error by Discover. Do not allow the report to read that Discover came to a settlement agreement with her. As a mother, I want to say Shame on you Discover for taking advantage of a young consumer. And, shame on me for not teaching my daughter to be wary of credit card companies that take advantage of her. As a company, please refrain from any marketing credit cards to young adults without the income to repay their obligations. If this would have been done with common sense, she could have responsibly used a low credit limit credit card to make it easier to manage her monthly cash flow and track her expenses. If you can not grant this demand, please get me in contact with someone above your decision-making authorization ability. Thank you for your time and thoughtful consideration, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-12

Disautel, WA

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

2019-03-12

Brooklyn, NY

Closing your account

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

Company closed your account
Complaint: The Reason for my complaint is that I don't know what happened, One day I get a letter from Discover saying that my account is closed - Called several times to find out the reason they closed my account which only resulted in a letter saying they have done an internal review and decided to close my account. All I would like is an answer of why my account was closed, I was NEVER late nor have I defaulted on the account. If they have me linked with another account then I believe I should be aware of the situation. Opened the account in XX/XX/XXXX - until I was closed in XX/XX/XXXX credit line of {$13000.00} which I am still paying always on time Thank you
Company Response: Closed with explanation

Timely Response

2019-03-12

Fort Pierce, FL

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

2019-03-12

Main Office, 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
Complaint: Charges upheld by my credit card company that I did not authorize or disputed : a charge from The XXXX XXXX for items that were not delivered to me, taken back by company, resold by company. I told this company that I would NEVER shop with them again. Charges made to the same company while I was held in XXXX ( no access to purse including, but not limited credit card & phone ... no computer access ). A lot of charges made while I was in the hospital with my mother after a XXXX. This company let this company get away with this even after making it almost impossible to use this card for everyday charges in the past for fear of fraud. They allowed these charges, not me, but want me to pay for their mistake.
Company Response: Closed with explanation

Timely Response

2019-03-11

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
Complaint: Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.
Company Response: Closed with explanation

Timely Response

2019-03-11

NJ

Incorrect information on your report

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

Account information incorrect
Complaint: discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
Company Response: Closed with non-monetary relief

Timely Response

2019-03-11

Phoenix, AZ

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

2019-03-11

Joliet, IL

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

2019-03-11

Chestnut, NJ

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

2019-03-11

San Francisco, 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: My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-10

Hillandale, MD

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2019-03-10

Philadelphia, PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-09

Chicago, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-03-09

Main Office, VA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-03-09

Azwell, WA

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