DISCOVER BANK

2019-03-02

Attleboro, MA

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

2019-03-02

Copper Center, AK

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover, and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments. I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so. Thank you for your assistance.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-01

Stanford, 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: On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.
Company Response: Closed with explanation

Timely Response

2019-03-01

New Market, AL

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: Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.
Company Response: Closed with monetary relief

Timely Response

2019-03-01

NJ

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: On Tuesday XX/XX/XXXX, I was notified by my bank that a hold/freeze was placed on my account. I was given a phone number to contact ( which was to XXXX, XXXX & XXXX XXXX, XXXX ), but not given any specifics as to why the funds were on hold, but that there was only a legal hold and that my bank must honor it. All of the funds in my account were placed on hold and I am still currently unable to access any of them. This includes funds I need to pay for child support as well as my rent and life saving medication. It is important to note that I have never been in contact or received any communication from this firm. I currently reside in New Jersey and the firm operates and somehow obtained a Judgment against me in Pennsylvania. I contacted the firm immediately to discuss the file. I was given no details as to my account and was told that I must give them my full social security number in order for them to look up my account. Having no choice, I agreed to their demands. They located my account and gave me an office file number. I was then transferred to a department and was promised that if it went to voice mail that I would be called back immediately. I called the office twice each day for 4 days. Each time I was told that no one was available to take my call and each time I was transferred to a voice mail. In the interim I did some research as to what had happened with my account. A judgment had been filed on XXXX and was subsequently entered against me on XXXX. There is no information regarding service of the Summons and Complaint ( I have attached the court paperwork. At the District Court level is always available on the website ) When I inquired with the court as to the service, they would not give me the specifics as to the service, but that it had allegedly occurred on XX/XX/XXXX, which would be on a Sunday, and 2 days after the Judgment had been entered. I again reiterate that I live in NJ and did not receive any of this paperwork that was allegedly sent almost a year ago. I also finally was able to find out on my own that this was for a Discover Bank file. The office has not given me any information as to the account, including balance owed, date of charge off or any other information. I have not received a letter of acknowledgment as of yet that is supposed to be sent ( In accordance with the FDCPA ). On XX/XX/XXXX, I was finally able to speak with attorney XXXX XXXX with the firm. He did not provide me with any account information as to what their office was collecting for or any information as to the status of my case. I was not given the XXXX in any of my communications with the firm, including when attorney XXXX XXXX spoke candidly about my account information. Other than in my original communication with the office did they confirm any right party contact information. I was never asked my name in any calls, despite them speaking candidly about my account and actions taken. When speaking with XXXX XXXX at XXXX XXXX on XXXX, I informed him of the situation regarding me never receiving documentation, and living out of state. I also explained that that I believed the Judgment was invalid as service was not made prior to Judgment being entered. If I was in fact served, I would have not had a chance to respond accordingly. XXXX understood the situation and stated that he or someone in his office would contact the court and call me back promptly. I advised that I needed to have this resolved today as I have had no of my funds available now for 4 days. He vowed to look into it and have someone reach back out immediately. I did not receive any calls from them after that. I called their office back at XXXX XXXX on XXXX. I again spoke with XXXX and asked for an update. He advised me that he never reached out to the court. He also stated he did not know how much was on hold, but they were proceeding and that I could file whatever paperwork I deemed necessary. I again reminded him that they had never contacted me and advised him that I believe that they are trying to collect on an invalid Judgment and possibly the wrong person. He did not seem to pay any mind to that and said they intend to proceed. I asked if there was any other way we could resolve this and he declined. As a final note, I was never made aware if this firm had been recording my calls. If they were I would not have spoken with them and specifically not given my social security number over the phone with them. In Pennsylvania the opposing party must advise and confirm that the other party is ok with the call being recorded.
Company Response: Closed with explanation

Timely Response

2019-03-01

Los Angeles, 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

2019-03-01

Miami, 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
Complaint: My personal information was stolen according to a letter from the IRS, XXXX AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Company Response: Closed with explanation

Timely Response

2019-03-01

Ch Hgts, SC

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-02-28

Blooming Valley, PA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-02-28

WV

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: Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.
Company Response: Closed with explanation

Timely Response

2019-02-28

Santa Monica, CA

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Company Response: Closed with explanation

Timely Response

2019-02-28

Briaroaks, TX

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-02-28

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble closing card
Company Response: Closed with explanation

Timely Response

2019-02-28

New Britain, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.
Company Response: Closed with explanation

Timely Response

2019-02-28

MI

Other features, terms, or problems

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

Add-on products and services
Complaint: I have been a Discover Card holder from XX/XX/XXXX to present. On XX/XX/XXXX I learned a monthly " Fee '' I have been charged since XX/XX/XXXX is actually not a fee. In reality, it has been for the purchase of a Discover product called " Discover Payment Protection ''. I also found monthly purchase charges for two more Discover products called Wallet Protection and Identity Theft Protection. After investigation I discovered that, unbeknownst to me at the time, in XX/XX/XXXX CFPB ordered Discover Bank to refund card holders the charges for these products due to a host of deceptive marketing practices. I contacted Discover XX/XX/XXXX, speaking with a representative name XXXX, and requested removal and refund of these products and charges. According to Discover I was refunded in XX/XX/XXXX. For charges from XX/XX/XXXX to the present I was immediately refunded the last Six months. Full refund was declined because they feel they sufficiently notified me of the nature of the charges. I did not sign up for these products so requested proof/documentation of the purchase agreements. This request denied as according to Discover something does not require them nor will they provide this proof because they can not without revealing proprietary information. It appears in XX/XX/XXXX following refund per CFPB I continued to be opted in to purchasing these products, as a result the appearance of my monthly statement remained the same. I have not knowingly opted-in or opted-out of purchasing these products, they appeared on statements to me as Discover Card maintenance type charges. The Discover Payment Protection charge is located under the Fee heading. Wallet Protection and Identity Theft Protection charges are located under the ambiguous Other/Miscellaneous heading. Not one of these charges are itemized in a way that clearly reflects the nature of the charges. It should also be noted how much protection overlap exists with these products. As stated Discover is voluntarily refunding Six months of these products. Discover Payment Protection has been collecting monthly XXXX cents per XXXX XXXX dollars of my balance, that refund totals {$510.00}. Wallet Protection has been collecting a flat fee of {$3.00}, that refund totals {$23.00}. Identity Theft Protection has been collecting a flat fee of {$9.00}, that refund totals {$59.00}. Interest XXXX 12.24 % ) charged on these amounts, that refund totals approx. {$73.00}. The total refund amount will total approx. {$670.00}. From XX/XX/XXXXto present Discover charged on my card : Discover Payment Protection {$7000.00} ( approximated ), Identity Theft Protection {$830.00}, Wallet Protection {$330.00}, and simple interest on those amounts of {$1000.00}. The total charges are {$9100.00} when calculated with simple interest. Compound interest adds {$850.00}, the total charges are a minimum of {$10000.00}. After refunding card holders in XX/XX/XXXX, at least in my case, Discover Card continued the same deceptive marketing and billing practices. Without my consent I was opted-in to continue being charged for these, in my opinion questionable, Discover products. I am a retired XXXX XXXX. I worked hard for and sustained far too many injuries earning my pension to pay $ XXXX+ for the XXXX of it for questionable products that are not presented or offered to me in a fair manner. I seek full recompense from Discover Card.
Company Response: Closed with explanation

Timely Response

2019-02-28

Mercer, PA

Other features, terms, or problems

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

Add-on products and services
Company Response: Closed with explanation

Timely Response

2019-02-27

Marlboro, MD

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

2019-02-27

Providence, RI

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

2019-02-27

Hobart, IN

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-02-27

Katy, TX

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

2019-02-27

Bronx, NY

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
Company Response: Closed with explanation

Timely Response

2019-02-26

Winston Salem, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: DISCOVER HAD FAILED TO UPDATED MY CREDIT REPORT AFTER I GOT DISCHAGED FROM MY CHAPTER XXXX BANKRUCPTCY ITS STILL UPPDATING AS A NEGATIVE REMARK ON MY CREDIT FILE
Company Response: Closed with explanation

Timely Response

2019-02-26

Edinburg, VA

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

2019-02-26

Lubbock, TX

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

2019-02-26

Jacksonville, FL

Getting a credit card

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

Application denied
Complaint: I applied for a Discover It! Card based upon XXXX recommending the card. My Bank 8 FICO is XXXX, and I gross {$47000.00} annually. I did an application over the computer and was immediately told to call a discover application specialist. When I called in, the rep stated she could not locate an open application for me. So, I went through the process with her over the phone. My application came back denied but didnt state any reason why.
Company Response: Closed with explanation

Timely Response