DISCOVER BANK

2018-11-25

Moapa, NV

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-11-25

Marshallton, DE

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

2018-11-24

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-11-24

Dearborn, MI

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 non-monetary relief

Timely Response

2018-11-24

Dearborn, MI

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 non-monetary relief

Timely Response

2018-11-24

Occoquan, 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
Complaint: I had reported to Discover Card that I had received an emailed notification of a charge that was an error or fraudulent. This is for the next month 's service for a trash company we are no longer using, as of XX/XX/2018. EMAIL : Auto Pay Reminder from XXXX XXXX, XXXX. From : '' XXXX on behalf of XXXX XXXX , XXXX '' XXXX Date : Wed, XX/XX/2018 XXXX XXXX To : '' XXXX '' XXXX Priority : Normal Options : View Full Header | Print | Download this as a file Dear XXXX, Thank you for using Auto Pay! This payment to XXXX XXXX , XXXX has been made from your XXXX XXXX on XX/XX/18, transaction id : XXXX. Pay To Invoice # Invoice Amount Amount Paid Pay On XXXX XXXX, XXXX. XXXX {$25.00} {$25.00} XX/XX/18 Total : {$25.00} I reported this by phone to Discover, who found the charge in their database and said they would deal with it. I knew that I also should report the error via mail when I received the statement. However, then I received the following email from Discover, indicating that they ignore the Fair Credit Billing Act, and require documentation from customers to show they don't owe a charge. I read the Act carefully, and it appears to me that the MERCHANT has to prove the charge legitimate. The customer doesn't have to prove the charge illegitimate with documentation. How could a customer possibly do that? When I called Discover, the woman I talked to said that this email, which requires documentation from the customer, is a generic email sent to all Discover 's customers. I found it shocking that Discover is apparently violating federal law on such a large scale. I never said I would provide any documentation to them. When I brought that up by phone, the woman said that documentation is required of everyone disputing a charge. Since there is no way to prove a negative, apparently Discover is requiring its customers pay fraudulent charges. EMAIL FROM DISCOVER Additional Information Needed for Dispute Case From : '' Discover Card '' XXXX Date : Mon, XX/XX/2018 XXXX XXXX To : XXXX Priority : Normal Options : View Full Header | Print | Download this as a file | View as HTML We have started to work on the dispute investigation as you requested. As of XX/XX/2018, we have not received the documentation you indicated you would provide. Please submit your documentation supporting this dispute at your earliest convenience. Case Number : XXXX Merchant Name : XXXX Dispute Amount : {$25.00} Providing documentation helps us investigate this matter for you. You can fax this information to XXXX, mail it to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, or upload it online at Discover.com. If you have recently provided this documentation, please disregard this request. If you have any questions, you can call our 100 % U.S-based service team any time at XXXX ( XXXX ). As always, thank you for choosing Discover. Sincerely, Discover Card Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Add XXXX to your address book to ensure delivery of these e-mails. See ways to help identify Discover e-mails by visiting our email security page. IMPORTANT INFORMATION This e-mail was sent to : XXXX for account number ending with XXXX. You are receiving this e-mail because you are a Discover Cardmember.Please do not reply to this email as we are not able to respond to messages sent to this address. DISCOVER and other trademarks, logos and service marks used in this e-mail are the trademarks of XXXX XXXX XXXX or their respective third-party owners. Discover XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX Discover Bank, Member FDIC XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-23

Oxford, GA

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: XXXX has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-23

Oak Forest, IL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-11-23

North Hampton, MA

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

2018-11-23

Wichita, KS

Fees or interest

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

Problem with fees
Complaint: I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.
Company Response: Closed with explanation

Timely Response

2018-11-23

MN

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 had a fraud charge on my discover card in XXXX the credit card company determined that the charge was fraud and said they would take it off. There was another series of charges and credits but they still did not fix the original charge. In XXXX the credit card company charged this to my card again. I called to have it resolved they said it was there fault but then charged my card with two more times with a fraud charge. I called them again and they again said it was there mistake and they would fix it. They give me a credit for the two new charges but still did not credit the original charge.
Company Response: Closed with explanation

Timely Response

2018-11-23

Westerville, OH

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2018-11-22

Hollywood, 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

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

Timely Response

2018-11-22

Tarzana, 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: I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.
Company Response: Closed with explanation

Timely Response

2018-11-21

Clermont, FL

Closing your account

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

Company closed your account
Complaint: I called Discover because i was previously on a payment plan and i was told once it ended i would have use of my card but learned today that the account would be reviewed monthly to see if i qualified for use of my card so i told the rep i would like to cancel my account but i have questions b4 completing the cancelation. While asking my questions, the call dropped and she canceled my account without calling my back to confirm if it was ok to go forward with the cancelation. I called them back the same day and they're telling me the account can not be reinstated although i never finally agreed to the cancelation.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-21

Las Vegas, NV

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: XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-21

Grandville, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-11-21

North Prosser, WA

Fees or interest

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

Charged too much interest
Complaint: I have attached my last three billing statement to support my claim with dates. I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. Discovers practice should be investigated, as it is deceitful and unclear. I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. Additional History : Note : The original balance transfer was XXXX dollars. Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.
Company Response: Closed with explanation

Timely Response

2018-11-21

Powell, OH

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Don't agree with the fees charged
Company Response: Closed with non-monetary relief

Timely Response

2018-11-21

Rangely, CO

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

2018-11-21

Rosamond, 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
Company Response: Closed with non-monetary relief

Timely Response

2018-11-21

Smyrna, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-21

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-11-20

Ashley, WI

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

2018-11-20

Sugar Land, TX

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