DISCOVER BANK

2019-02-08

Coconut Grove, FL

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 monetary relief

Timely Response

2019-02-08

FL

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: I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-08

Minneapolis, MN

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Company Response: Closed with explanation

Timely Response

2019-02-08

Detroit, MI

Fraud or scam

Money transfer, virtual currency, or money service: Debt settlement

Complaint: From about XXXX to XXXX Discover bank tranfered money from my other charge cards adn from their charge card to a fake discover card that they or someone ueing their sites> I called them evry month NO help I stop paying these illegal tranferes in XXXX. The amout that they took from me is over {$30000.00}!!!! I recieved a Tax form XXXX on XX/XX/XXXX stating that theycancelled a dept of {$6200.00}! That was money on the {$10000.00} that the took from my charge card that I had with them minus the money I payed them brfore I stop payment due to them illgelly taking money from my other charge cards and MY BANK!!!! They did take me to courtin XXXX. And they droped the case when I proved that the took money illegally from me!!!
Company Response: Closed with explanation

Timely Response

2019-02-07

Bedford, 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 explanation

Timely Response

2019-02-07

Key Biscayne, FL

Fees or interest

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

Charged too much interest
Complaint: in XX/XX/2017 we in Florida were hit by the hurricane, I had problems with my work, I called this card to make payment arrangements, we agreed to only pay {$80.00} dollars for a year. at the end of the year they raised my interest and my minimum payment without my consent, now they started charging {$110.00} dollars of which only XXXX dollars go to my favor. I called them to work with me but they have no answer. today I owe more every month. My doubt right now is {$4600.00}
Company Response: Closed with monetary relief

Timely Response

2019-02-07

Ladson, SC

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with non-monetary relief

Timely Response

2019-02-07

Roseland, CA

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

2019-02-07

Simi Valley, 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: We opened an account with XXXX. Our representative XXXX XXXX provided us with approved Vendors : XXXX XXXX. He emailed me the same day from : XXXX We hired XXXX to build us a custom website on XXXX within 10 days. They have failed to do so. We did not receive a working website after 10 days. Even though we made all the payment and more before the deadline : {$2000.00} refundable deposit and {$1000.00} to receive the product. They wanted {$2000.00} but we didn't want to pay all of it before we get the final product installed on our hosting. So we paid {$1000.00} even though it wasn't agreed according to our contract. Email with agreed amounts is attached as an image. When we found out that the product DID NOT work and this may have been a scam, we contacted XXXX and asked for them to help resolve the issue. They closed our account and said that we need to resolve it with the vendor. We tried to offer a compromise. Even though they finally agreed to {$2000.00} refund, they have failed to make the refund payment. That is why we contacted discover and asked to dispute both charges. The letter to Discover with both case numbers is attached. Discover ruled in the vendor 's favor 8 times. We have exhausted all valid disputes and that is why we have now filed a complaint with CFPB. We would appreciate you help with this matter. We gave Discover a curtesy call and let them know that we have proceeded in that way. Discover representative agreed on XX/XX/2019 that it is an acceptable route to use additional resources for assistance.
Company Response: Closed with explanation

Timely Response

2019-02-07

Franklin Lks, NJ

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 monetary relief

Timely Response

2019-02-06

Aurora, IN

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

2019-02-06

Columbus, OH

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I am writing to ask your help with my student loan lender, Discover. Discover is asking me to pay them {$1200.00} a month to repay my loans, when I make {$1600.00} a month. According to the FAFSA, our family made just enough to not really need assistance, but not nearly enough to actually pay for it. My mom was a single parent with XXXX kids, XXXX of which had already begun college, which she co-signed for and supported them throughout. By the time it was my turn, she was almost maxed out of being able to co-sign, and making {$70000.00} a year does not pay for XXXX college tuitions and a mortgage. I took out private loans through Discover since FAFSA did not cover much of my tuition, but halfway through school my mom could no longer co-sign. She is the sole caretaker and always had been, so I had no one else to turn to for help. I had to take a semester off since I couldnt afford it. Eventually I had no choice but to ask my grandparents, who live in rural southeastern Ohio and still live in the house they build themselves XXXX years ago and who also dont have the means to support a financial burden like this. They agreed to co-sign on the loan and it went through, but now I had yet another stressor. Not only did I have to make sure I paid all my loans back on time after school, but now my grandparents were involved and worried about it all. Fast forward to XX/XX/XXXX. I had one class to go before graduating. Since it was only one class, I decided to take it online and move to Delaware to work for XXXX XXXX XXXX and live with my dad, who is divorced from my mom. While there, I was hit head-on by a drunk driver and sustained multiple injuries, including a XXXX XXXX, torn XXXX XXXX, and a XXXX XXXX XXXX. Both the XXXX XXXX and XXXX required XXXX and months of XXXX XXXX on top of the physical pain and emotional trauma I felt afterwards. I had nightmares about the accident and still get extreme anxiety in a car. Due to the accident, I spent XX/XX/XXXXrecovering from my injuries and worked part-time. This is the year when the trouble with my loans began. Out-of-state tuition at XXXX, plus living stipend and other expenses, totaled roughly {$36000.00} per year. The monthly payments Discover demanded of me were between XXXX XXXX-XXXX. Typically, after graduation, a borrower is given a six-month grace period until they need to start paying on the loans. Since I had taken time off after graduating due to my severe injuries from the drunk driver, I couldnt afford to repay my loan since I was unable to work full-time. I was forced to use my grace period during the months I was recovering from injuries. When that was up, I was able to apply for repayment options. Due to my injuries and low income, I qualified for hardship assistance and that gave me another six months of no payments. In XX/XX/XXXX I began the last class I needed to graduate, along with a few graduate level classes and a job working with my professor. Being in school, I was able to freeze my payments as well which helped for those four months. Shortly after graduating, I found a job in XXXX and moved back from South Carolina. I now work for XXXX XXXX XXXX doing environmental monitoring for quality control. When I alerted Discover that I had a job, they set my monthly payments again between XXXX XXXX-XXXX. My annual salary upon starting in XX/XX/XXXX was XX/XX/XXXX-XX/XX/XXXX after taxes, equaling roughly {$1600.00} per month. I sent in pay stubs to Discover to show my income and prove that I couldnt pay the monthly amount, and they lowered it based off my income. I had no delinquent payments, and my income has not changed, yet in XX/XX/XXXX they changed my monthly payment back up to XXXX XXXX-XXXX. Upon seeing this, I called Discover, told them my situation had not changed and that I am still making the same amount of money, and they told me there was no other option. They told me the only way I could qualify for another 6-12 months of lowered payments is if I pay the full amount requested, on time, each month, for at least 6 months -- an impossible request. Even if I were somehow to miraculously give them my entire monthly pay, not needing to pay rent and other bills, I still wouldnt be able to pay on time because my paycheck is broken up into two paychecks. Therefore, forgetting my other bills such as rent, utilities and a car to get to work, and putting all the money I make into my loans, I still would never qualify for lowered payments because I wouldnt be able to make the full amount payment on time for six months. It's like a vicious trap you cant get out of. I cant pay the full amount because I dont make nearly enough money, yet the only way to get a lowered payment is by paying the full amount. That doesnt make any sense. My only option was to pay what I could on the loans every payday, and hope my credit didnt plummet from the lack of complete payments and not being on time. Since this started, Discover has been harassing my grandparents trying to get them to make my payments. My grandparents were afraid and didnt know what to do, so they pulled money from their Social Security and paid a loan they co-signed for me. With interest, the original {$15000.00} loan, cost them {$30000.00}. Since paying off the loan they co-signed for, Discover still continues to contact them and harass them about making payments. When confronted about it, Discover said they had NO RECORD of them paying the loan! My grandparents have the bill and proof of payment, and it still wont stop. Not only are they harassing me with phone calls daily, when Ive repeatedly proved my income and am making what payments I can, but they have somehow lost the record of my grandparents payment and wont leave them alone either. Is there any way you can intervene on my behalf with Discover to see if they can be flexible and give me a more reasonable payment schedule that doesnt bankrupt me? I would be so appreciative for any assistance and am writing because I dont know how to get Discover to have some understanding of what my life situation is like.
Company Response: Closed with explanation

Timely Response

2019-02-06

Seymour, CT

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

2019-02-06

Lexington, KY

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 have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.
Company Response: Closed with monetary relief

Timely Response

2019-02-06

New Orleans, LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: The following inquiry was not authorized, please remove from my report. Discover Bank Inquiry from XX/XX/2018 2018
Company Response: Closed with non-monetary relief

Timely Response

2019-02-05

Oakland, CA

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 non-monetary relief

Timely Response

2019-02-05

NH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Company Response: Closed with non-monetary relief

Timely Response

2019-02-05

Superior Township, MI

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

2019-02-05

Boloxi, MS

Closing your account

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

Can't close your account
Complaint: Recently Discover closed my credit card account. They did not provide a reason even though I had never missed a payment and my credit score is always around 800. The credit card account has a credit balance of {$6000.00} Over the past few weeks I have repeatedly asked them to send me a check for the balance. They have refused.
Company Response: Closed with explanation

Timely Response

2019-02-04

Jupiter, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Account status is incorrect and needs to be corrected
Company Response: Closed with explanation

Timely Response

2019-02-04

Lowell, MA

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

2019-02-03

Aventura, FL

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

2019-02-03

Colts Neck, NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.
Company Response: Closed with explanation

Timely Response

2019-02-02

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-02-02

Lewiston, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with non-monetary relief

Timely Response