DISCOVER BANK

2018-12-03

Lewisville, TX

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: After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! I am appalled at Discover 's lack of effort and ambivalence to their cardholders!
Company Response: Closed with explanation

Timely Response

2018-12-03

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: To Whom it may concern, I currently hold a student loan with Discover Student loans. I have been making monthly payments since I got the loan. This month ( XX/XX/2018 ) I decided to pay the full amount of the loan, USD {$20000.00} I paid before my monthly due date and USD {$57.00} today, XXXX2018. The bank argues that due to the fact that it is a large amount of money and that its an international wire transfer, its taking more days than usual for the bank to confirm reception of the funds. I already sent proof that the payment was sent. The bank has me on 9 days delinquency status since they have not received the funds. I am requesting that the delinquency status gets deleted and that my cosigner is not contacted since I already made the payment and sent proof of it. Regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-03

PA

Fees or interest

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

Charged too much interest
Complaint: In XXXX of XXXX I took a Cash Advance on my Discover Card in the amount of {$3500.00}. In XXXX of XXXX, I called and asked how I can extinguish the Cash Advance part of my debt, and I was told that any amount I pay above and beyond my minimum balance would be applied to the cash advance balance. In XXXX I paid {$5000.00} which was {$4500.00} above the minimum balance. None of that amount was applied to the cash advance balance. From that point until now, my Cash advance balance has continued to climb due to the 23.99 % interest. I have called 2 additional times to find out how to pay this balance off and I was consistently told the same information. In XXXX I realized something was drastically wrong as the cash advance balance was now over {$7500.00} and I had never used the cash advance after the XX/XX/XXXX date. I called Discover and was finally told " Oh -- You have a business card -- and until XXXX XXXX, no amount was ever applied to the cash advance balance '' In XX/XX/XXXX, they told me they changed the terms of my account allowing them to apply payments to the cash advance. I continued to argue that this was not what I was told, and they agreed, I was told bad information on more then one occassion. On XX/XX/XXXX they adjusted my finance charge {$500.00}. and on XX/XX/XXXX they gave me a courtesy adjustment of {$320.00}. They said they were giving me this because I was given bad information. Although that is appreciated, it does not account for the {$3300.00} in finance charges I have been charged since XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX, my minimum payments totaled {$22000.00}, During this same time, I paid {$44000.00} for an excess over minimum payment of {$22000.00} yet my cash advance balance climbed from {$1800.00} ( XX/XX/XXXX ) to {$8000.00} ( XX/XX/XXXX ). All of this without ever making another cash advance. When I questioned the call center supervisors, I was told the only way I could ever pay off that cash advance was if I paid my entire balance on the card. This was never told to me, and due to the fact that the interest rate on the credit card is only 13.9 % I continued to use this card for small purchases. I am very distraught over this. I feel like I was doing business with a loan shark - without my knowledge. Representatives from Discover tell me this is due to the language of my credit agreement. I asked them on XX/XX/XXXX to please send me the document that shows this language. They sent me language that tells me what they have told me in the past ( that everything over the minimum due is applied to the cash advance ). On XX/XX/XXXX I again argued this with a supervisor and asked to speak with her supervisor. She refused to allow me to speak to a higher person and told me several times that no-one there can help me. She said she would " Try " to get me a copy of the terms. I have not been contacted since. In summary, I do not feel that Discover has been open and transparent with me. In addition to the interest rate being compounded, I also paid fees at the start of the cash advance which I was aware of and agreed to. I was told they told me the wrong information because I was a " BUSINESS '' account and they do not treat their personal accounts this way. I feel that I have been discriminated against because I am a female small business person. I have offered DISCOVER 2 ways to rectify this. # 1 - they can recalculate my interest and apply the payments as I was promised over the years. or # 2, they can extinguish the entire account and re-open another account with the present balance calculating it at the 13.9 % going forward. I was refused both of these suggestions. I feel that I have been patient and have offered to work with them. I have consistently paid my card on time and above the minimum balance - as I was trying to get rid of the debt. I do not feel that they worked in the same manner as other credit cards, because I was in the same situation with XXXX XXXX and they told me the same information -- " Anything you pay above the min. balance is applied to the highest interest rate '' I was able to extinguish the XXXX Cash advance easily. I respectfully ask your help in this matter. I do not have {$3300.00} laying around to pay needlessly into finance charges.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-03

Wonder Lake, IL

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: XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed
Company Response: Closed with non-monetary relief

Timely Response

2018-12-03

Scottsdale, AZ

Other features, terms, or problems

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

Other problem
Complaint: I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover. I've called Discover twice and messaged them twice, and they won't do anything. I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted. I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-12-02

Gloucester City, NJ

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

2018-12-02

Tucker, GA

Opening an account

Checking or savings account: Savings account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2018-12-02

Santa Ysabel, CA

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Complaint: Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.
Company Response: Closed with explanation

Timely Response

2018-12-01

Newark, NJ

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

2018-12-01

Stkn, 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: This is a reassertion regarding case number XXXX. The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into. Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.
Company Response: Closed with explanation

Timely Response

2018-12-01

Hamburg, NY

Closing your account

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

Company closed your account
Complaint: I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.
Company Response: Closed with explanation

Timely Response

2018-12-01

Farr West, UT

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-12-01

East Rockaway, NY

Closing your account

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

Company closed your account
Complaint: I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.
Company Response: Closed with explanation

Timely Response

2018-12-01

Tarzana, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I owed discover card less than a thousand dollars several years ago. It was a very very old debt and I tried to contact the bank to settle and I was informed that they have been sold my case to a 3rd party collection agency. I contacted the collection agency last 2013 to settle my debt but they dont want to cooperate and doesnt want me to settle it. Just last year or this year I received a notification letter from XXXX XXXX, XXXX that they are garnishing my savings account because of old debt from discover card and they are working with the attorney. And Now, Im refinicing my house but I was informed by the financial officer that XXXX XXXX, XXXX was holding my house title until I pay them {$11000.00} thats why they can not proceed with the processing of my house refinancing. I dont even owe the my old discover card that much but collection agency is harrassing me to pay too much. I need help on this, I am a XXXX XXXX veteran having health issues and I am currently having financial difficulties too. I can not pay them more than I owe the bank.
Company Response: Closed with explanation

Timely Response

2018-11-30

Sm, KS

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Foothill Ranch, CA

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
Complaint: Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX. I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year. For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-11-30

VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Stanford, CA

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: Discover personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and discover statements showing I've paid them. I contacted the credit agencies as well as discover and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Company Response: Closed with explanation

Timely Response

2018-11-30

Memphis, TN

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

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

Problem with personal statement of dispute
Complaint: Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you
Company Response: Closed with explanation

Timely Response

2018-11-29

NY

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-11-29

Washington, DC

Improper use of your report

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

Reporting company used your report improperly
Complaint: There was inquires from Discover Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help
Company Response: Closed with explanation

Timely Response

2018-11-29

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 non-monetary relief

Timely Response

2018-11-29

Shalimar, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: On Wednesday XX/XX/2018 at approximately XXXX XXXX CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.
Company Response: Closed with explanation

Timely Response

2018-11-29

Mckeesport, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I recently received forms from XXXXXXXX and XXXXXXXX representing Discover Card. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by Discover that the debt was charged off, the judgment was taken off and XXXXXXXX and XXXX no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel XXXX from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.
Company Response: Closed with explanation

Timely Response