DISCOVER BANK

2019-02-22

Manassas, VA

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

2019-02-22

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-22

Helvetia, OR

Other features, terms, or problems

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

Problem with cash advances
Company Response: Closed with explanation

Timely Response

2019-02-22

Brown Deer, WI

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

2019-02-21

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-21

Memphis, TN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: 5 year + old charge off account. Discover bank keep going up on total amount. I was told the account will be XXXX soon. Balance should be $ 800-1000 max.
Company Response: Closed with explanation

Timely Response

2019-02-21

Hialeah, FL

Closing your account

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

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response

2019-02-21

Allentown, PA

Getting a credit card

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

Application denied
Complaint: everything started since XXXX of XXXX the lender sent me a reimbursement check of my account = prepaid credit which occupied for one year the check was XXXX dollars, at the time of sending it I had just moved to the city of XXXX and I communicated them to make the change and thus canceled that check, unfortunately the check was stolen and deposited by an unknown person, for 5 months I was under an investigation of this bank accusing me of having taken the check and I sent all the evidence they needed and letting know that never received it, at the time of making the chance of my address with an agent the bank system do not keep my address correctly as they explained to me and generated an erroneous address causing now to be a victim of identity theft, in XXXX of XXXX finally after 5 months they arrive at the end of their investigation and they determine that I do not change or receive that check and they make my refund and increase credit to XXXX dollars something that I found good but resulted in a nightmare because now they made a change to my last name which resulted in another research and request the person who communicated with me was a person in English that although I defend my English It is my native language and I demanded that I should send a specific document that could not be another that should be that or that otherwise closed my account to what I had to access and this is very traumatic for me since after having me for months without any response and now do this and I communicate with them for a solution and it's like he does not care this is my last option I hope your help
Company Response: Closed with monetary relief

Timely Response

2019-02-21

Sebring, FL

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

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

Was not notified of investigation status or results
Complaint: I had been invited to open a Discover credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for discover on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on discover card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or discovers unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Company Response: Closed with explanation

Timely Response

2019-02-21

Washington, DC

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

2019-02-20

Rock, MI

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

2019-02-20

Schdy, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-02-20

Tampa, FL

Opening an account

Checking or savings account: Savings account

Unable to open an account
Complaint: I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. Thank you.
Company Response: Closed with explanation

Timely Response

2019-02-20

Washington, DC

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

2019-02-20

E Stroudsburg, PA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-20

Bedford, TX

Problem when making payments

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

Problem during payment process
Complaint: My son has been XXXX since XXXX. Me his mother have been attempting to make his cc payments to Discover card. XX/XX/XXXX Discover card refused to take a payment from me. I never called requesting information or wanting any information regarding this account - simply to just make the payment. It is documented in the system that they refused the payment even after I explained to them what was happening with my son. I did not have his mail so was unable to mail in a payment. Month after month I called and they refused. XX/XX/XXXX I spoke with XXXX, who told me as XX/XX/XXXX Discover card charged off the account. She went on to say she would be glad to take a payment but could not discuss the account. She said once given permission they would discuss options. She was asked why take a payment now that the account is charged off - when this could have been avoided had they taken the payment months ago, month after month. XXXX - permission was received to speak with my mother regarding the account. She explained he situation - stated she wanted to make the payments have the account reinstated and my credit history updated because it was not like we were not attempting to make the payments - DISCOVER was refusing to take them until the account charged off. XXXX, who said the account was charged off. XX/XX/XXXX spoke with XXXX XXXX - manager who said it was charged off and that was it all we could do is pay and nothing else. XX/XX/XXXX called Discover and XXXX to XXXX, who confirmed that XX/XX/XXXX Discovered refused payment it was documented in the system. He went on to say that the policy changed and they can now accept payment. It was explained to him that if that is the case then the account and the account holder should be made whole. He went on to say he did not see any calls regarding the account. It was explained to him that the regular number was called. XX/XX/XXXX - explained to XXXX we wanted to set the account on autopay and have the account reinstated remove late charges and have credit to no longer reflect negative due to them not accepting payments. XXXX said once charged off they were not taking it back and we could dispute it with XXXX - She said balance was XXXX could settle for XXXX and it still show negative on the account. XXXXThey wanted us to accept a settlement but did not want to send it out for us to review. XXXX said we had to verbally accept it first then they could sent it out. We explained that we should be able to review to see if it is in my best interest first. She said she could not do that. Discover stood in the way of this account being maintained successfully. Although, my son was not able to make payment he had someone willing to pay the card, not get information, or any thing additional about the account simply pay money and they refused it. Now they want to charge off the account and negatively impact his credit. It is unethical and simply wrong and distasteful. I am not a joint holder or card holder of the account - I am the parent of the account holder who is authorized 3rd party to discuss the account and make payments.
Company Response: Closed with explanation

Timely Response

2019-02-20

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

2019-02-20

PA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: I do not know the amount offhand, but it's about a thousand dollars. I initially told the company around last XXXX that I could not pay because I had a XXXX, was in a divorce, and lost my job. They said they would stop late fees and I told them to contact me in 2 weeks. They called at least twice before then. About 3 weeks ago, when my house was foreclosed on, I got another call from them. I explained I was going literally homeless, with no income, and they offered to put a hold on my account ( sound familiar? ). They said or agreed they would freeze my account and not call me for 2 months, giving me time to get situated. Today, they said my account is in collections, not frozen, and had no answer as to why, when I was told it would be put on a freeze. I've since received at least 3 calls last week, 2 calls the week before, and one today. They told me last week they would freeze my account, and that they never call more than once a week. I missed a call today and called them back, getting pretty firm with them. They told me they " can not honor requests not to call certain days or times '', which it's my understanding the law requires them to honor ( eg for work ). I go to school and it's getting me in trouble, because I have to answer because my grandmother has XXXX. I address this, they say " well it's outside of our technology to limit call times ''. I've also not received written notice because I'm, you know, homeless. I'm living off FAFSA, renting a room I can't even use as an address for food stamps or to register my dog. They threatened to have an attorney contact me anyhow, I said " let them, they can't send any certified documents when I'm homeless ''. She continues to express how I have an agreed debt, and if I recall correctly she insinuated something about garnished wages.
Company Response: Closed with explanation

Timely Response

2019-02-19

Fresno, CA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.
Company Response: Closed with explanation

Timely Response

2019-02-19

Plainsboro, NJ

Dealing with your lender or servicer

Student loan: Private student loan

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

Timely Response

2019-02-19

Bohemia, NY

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Company Response: Closed with explanation

Timely Response

2019-02-19

Asheville, NC

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: Here is a copy of a letter I sent to Discover card in XX/XX/XXXX attempting to resolve the problem. I never had any response from them regarding the issue. I also tried calling them, and the three credit reporting agencies on multiple occasions. I disputed the issue with both XXXX and XXXX to get the item removed as a " negative item '' on my credit report. XXXX are now reporting correctly, but XXXX have made no changes following their investigation into my dispute. Re : Account # ending in XXXX In response to your letter of XX/XX/XXXX, the information you received about my complaint is wrong, even though I have told you several times what the problem is, and I have been trying to resolve this matter for over a year now. I have not been the victim of fraud. What I told you and XXXX, is that you reported my status to them incorrectly, and I would like you to report my status correctly, please. I am tired of having to go over this again and again, with both your company and the credit reporting agencies. I am now putting this in writing, and I would ask that you please resolve this matter as soon as possible, so I dont have to waste any more of my time. Your actions have directly and negatively affected my credit and FICO score. Here is the sequence of events, for your records. Please make a note of them, save the information, and relay the correct information to all of your departments and to XXXX ( it seems that XXXX and XXXX are reporting correctly now ) : I had a credit card with you ending in the above number from XXXX until XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy which was dismissed two weeks later and never actually happened. I had always paid Discover every month on time with no problems. When I couldnt get into my account online to pay my monthly bill, I called your office and discovered that you had closed down my account without informing me, thereby cutting off any ability I had to pay my bill, which I was prepared to do. The rep from your office that I spoke to told me there was nothing I could do to take care of the payment. In XX/XX/XXXX I was contacted by XXXX XXXX Services telling me that they had been hired by yourselves to collect the outstanding debt of {$600.00}. I told them I was prepared to pay the entire amount, which I took care of in three installments. I asked them if this would help my credit situation and they said yes. In XX/XX/XXXX I received a notice from you letting me know that my account was paid in full. Subsequent to that, I discovered that my account with you is being reported with XXXX as a charge off, which apparently is a negative item, rather than a positive item that has been resolved. I feel it is very unfair that I should have this reporting negatively on my credit, when I did nothing wrong. I always paid you every month ; I offered to pay you during the period when my bankruptcy was filed and you refused to allow me to do so ; and I paid you through the collection agency when they asked me to. Yet I am being penalized, and my FICO score is lower than it should be, because you continue to report this inaccurately.
Company Response: Closed with explanation

Timely Response

2019-02-19

San Gabriel, CA

Other features, terms, or problems

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

Other problem
Complaint: I had some XXXX XXXX XXXX charges which I did not order on DISCOVER card. XXXX agreed and started giving credits. Although credits were coming, I had paid full payment due as it was set up for autopay. Upon complaining they returned {$350.00} check. Now again they issued credit and sk me back {$350.00} when I have hardly used the card. Their security department just keeps sending me statements- ( see attached ) which do not make sense. I think card balance should be XXXX as I have paid for those services which I did not order from XXXX and DISCOVER issued me check. Whether credit comes from XXXX or DIScover later is not my concern. Why make me pay again and nullify credit? Second issue is of Inmotionhosting dispute- which you can find I addresed in attached letter to DISCOVER. Please write to me at XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-02-19

WA

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: soft credit inquiries were performed by Discover card, despite my never having applied for a credit card : DISCOVER FINANCIAL SVCS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX in summary, 11 times in XX/XX/XXXX, 12 times in XX/XX/XXXX. spoke with 3 team members at discover and they all told me i would have to speak with the credit bureaus to make it stop.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-19

S Saint Paul, MN

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