DISCOVER BANK

2018-11-20

Fresno, 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
Complaint: I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.
Company Response: Closed with explanation

Timely Response

2018-11-20

Shulerville, SC

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
Company Response: Closed with explanation

Timely Response

2018-11-20

Walnut Creek, CA

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with explanation

Timely Response

2018-11-20

Duette, FL

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

2018-11-19

Cleveland, OH

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

2018-11-19

Houston, TX

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

2018-11-19

N Hollywood, CA

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with explanation

Timely Response

2018-11-19

Liverpool, TX

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: I have notice discover was reporting an fraudulent account in 2017 so while XXXX i been working on removal. discover removed account then all of a sudden they keep changing account number i contact XXXX they stated the open dates all was the same but close dated was different i have paperwork from discover stating removal and accounts all of them was fraudulent
Company Response: Closed with non-monetary relief

Timely Response

2018-11-19

Watkins, CO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Company Response: Closed with explanation

Timely Response

2018-11-19

Shalimar, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and 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. Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}
Company Response: Closed with explanation

Timely Response

2018-11-18

Hamburg, MN

Getting a credit card

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

Problem getting a working replacement card
Complaint: Hello, Please note that my selection showing that I am having issues with getting a working replacement card was the closest to my concern but not my exact issue. My issue is that I consented and applied for a credit card and the card issued to me was sent with the wrong last name. On XX/XX/2018, at XXXX, I responded to an offer Discover card sent in my correct name by phone. Attached is the invitation showing the correct name, address with invitation number leading to my approval and a screen shot showing I called to apply since they are claiming I applied my mail and the online. Id like them to pull the call on 10h for review for coaching and training purposes. This offer was simply to apply for credit card and the entire process took less than 15mins. I remember the representative asking my name so he could address me during our conversation but I dont recall any questions about my name during that application process it self. Discover card has made a huge error, violated me by placing an incorrect name on the card they sent me. Ive spend hours being bounced around their departments with no one admitting they made an error, lack of listening or verification prior to the issuance of my credit card and not issuing a card in my correct name. I was told to send documentation of legal name change when I never gave them the wrong name to start with. To me its a fd up way to begin a relationship in which I thought was a good move with them and here we are with nonsense. I wanted to avoid the hassle and figured Id look for documents from years ago to satisfy this issue but I have spent additional personal time in an attempt to locate documents i have not used in over 6 or 7 years. Unfortunately, I cant find the document of name change at this time as a result of just moving into a new house. Here I am stuck with this issue without my documents and I need them to correct this huge error without causing additional impact to my credit. I was told by a rep that they can just close the card and reapply like its nothing and I feel that people who say such things have or dont know the value of avoiding credit inquiries and how much of an impact it has. I have not provided additional consent to review my credit beside the time I applied so there should be no addition inquiry including any soft pulls on my credit. they had their chance to look at my credit profile, which I believe they did when they approved me and should have had the correct last name at that time. I have bought 3 cars, applied with other financial institutions and purchased 2 homes since my name change and Ive had no issues. So why Discover? How come they have the right to make a mistake and then pry into my personal life? when I called in an attempt to resolve this issue, I found out that they dont have a way to track how the application was taken, I was told, I applied with paper by mail which was incorrect, then another rep told me I applied online and filled the application myself which was also incorrect. The last rep told me it was an assumption that Discover doesnt have a way to track how applications are taken. What? This is a huge risk to consumer and hate to say but a risk for their financial institutions. How can a huge financial institution like this not have valid records of an application process and then choose to place an incorrect name on my card and leave it up to me to fix it. This is the similar nonsense that got wellsfargo in Trouble to begin with!!!! I dont feel that Discover has any legal right to the documentation showing I had a name change from about 7 years ago as they are requesting. i feel this is a violation of my rights and no one seems to care that they made an error or willingly fix the problem. Again, This is their mistake and they should internally fix this problem by sending me my XXXX XXXX card with the correct last name, an apology and admittance of this issue and compensation for all the wasted time Ive spent dealing with their error.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-18

Farmingtn Hls, MI

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

2018-11-18

Chicago, IL

Incorrect information on your report

Student loan: Private student loan

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-11-18

CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: On XX/XX/XXXX I got my first direct deposit with discover checking account and I used my debit card at my local gas station.the transaction went smooth I thought because it gave me my XXXX $ without Incident. About a half an hour later I filled my gas tank up at a different gas station.Then try to use it at a restaurant it was declined 2 times didn't think nothing of it.Went to dollar general and where it was decline again so I used there phone to call discover and they told me card was frozen because of " weird '' transaction they stop it after the atm withdrawal.i told them exactly how much I used and I used it at the gas station to put gas and they didn't know that.they said I would have to wait 60 business days to receive my money.didnt have my phone to verify the account because due to room fire.so he tried to ask me 3 security questions I know I got them right he said I was wrong I already had told him that my identity was stolen because I seen My credit reports I never did like some hard inquiries.they told I can unfreeze my card if I get my email account friend let me borrow money to get a prepaid phone took a while to get into my email account but when I did called them back and was told that my email will not work.now they were asking for documents I told them I used all my data on my prepaid phone so I asked can I fax the documents so I did and they gave me wrong fax number that number was to a different office.the called agin and Was given a different number To FAX And I did I gave him my birth certificate security card my identification card my check stubFront and back also upload it as they requested and discover said there fax machine was down then tell me my account is closed.talk to several different managers some where so rude and even hung up on me.i asked for any other number I can call for help they denied me and said that was the only number.they were asking for my employer to send them documents discover told me that my employer and that is the state of California banked with XXXX XXXX and for me to contact them so I did sound was embarrassing when called so hung up then called human resources for XXXX and they told me that they have to request the form and they will fax it to them I even tried to 3 way them but phone didn't support that.and them called them told discover about my employer said and they still gace me the same answer that I requested that form and I have to wait 60 working days to get my money that's should of been XXXX $ $ in my account.my house burned I still have no money I just want funds I feel like I'm lending them money to invest.they calls are super rude extreme dishelp I never thought that a bank can do this to me or treat a costumers in such a way worst experience I ever had and all when I need it the most my kids still need food and sad thing is I worked hard for that money what i used to feed my XXXX kids I just don't want this to happend to someone else especially when you have to buy food for your kids and I can't believe they can do such a thing to a person for no reason and no faults in of mines during a tradgitey.i called on the XXXX of XX/XX/2018 around XXXX from XXXX XXXX in XXXX ca and from a XXXX ... and XXXX that I no longer have
Company Response: Closed with non-monetary relief

Timely Response

2018-11-17

CA

Managing an account

Checking or savings account: Savings account

Fee problem
Complaint: Discover bank ( online savings account ) charged me a {$30.00} insufficient fee while I have enough balance on my account. Their weird accounting system held my deposit for excessive amount of days. Instead of paying out a payment using my balance, they claimed I have insufficient fund, not honor the payment, and charged me a {$30.00} fee. I've contacted them at least 3 times though their online messaging system but every time their response is like a robot, quoting me a lot of fancy words without working on my issue. I even warned them the last time I'm going to report to XXXX but they still refuse to cooperate. I first tried to file a compliant to XXXX but they said banking is out of their coverage so I figured you guys are the correct place to file compliant.
Company Response: Closed with explanation

Timely Response

2018-11-17

Ashley, ND

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2018-11-17

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.
Company Response: Closed with explanation

Timely Response

2018-11-16

Hon, HI

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

2018-11-16

Pensacola, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-11-16

Pasadena, TX

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

2018-11-16

Naples, FL

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-11-16

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments. Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month. Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship. It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full. If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month. The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.
Company Response: Closed with explanation

Timely Response

2018-11-15

Arlington, TX

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2018-11-15

Newnan, GA

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
Company Response: Closed with explanation

Timely Response

2018-11-15

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