DISCOVER BANK

2018-11-15

El Cenizo, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-15

Hon, HI

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 explanation

Timely Response

2018-11-15

IL

Fees or interest

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

Charged too much interest
Complaint: I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. I think this is thievery and it should be stopped.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-15

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with explanation

Timely Response

2018-11-15

Fairfax, VA

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
Company Response: Closed with explanation

Timely Response

2018-11-15

Dallas, TX

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 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.
Company Response: Closed with explanation

Timely Response

2018-11-14

Powell, OH

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

NY

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: a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Dallas, 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
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Fort Lauderdale, FL

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-11-14

Browndale, PA

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

2018-11-14

Calhoun, GA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-14

Parlin, NJ

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: Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Alden Manor, NY

Problem when making payments

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

Problem during payment process
Complaint: Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. Thank you for your time, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-11-14

Centennial, CO

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with explanation

Timely Response

2018-11-14

NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: Discover personal loans does not maintain accurate financial information if accounts. The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.
Company Response: Closed with explanation

Timely Response

2018-11-14

Bismarck, ND

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

2018-11-13

Brooklyn, NY

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

2018-11-13

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2018-11-13

LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-13

Bohemia, NY

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 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 non-monetary relief

Timely Response

2018-11-13

Queens, NY

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: Discover Bank made a hard inquiry on my credit report in XX/XX/2018 without my consent. I have had no dealing with Discover Bank, nor have I applied for a line of credit. It appears that someone is trying to access my line of credit availability. What can I do.
Company Response: Closed with explanation

Timely Response

2018-11-12

Oxnard, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-11-10

Los Indios, TX

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Complaint: I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. " Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. " XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. I have blocked each of these numbers and have reported them, but when is enough, enough?? PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!
Company Response: Closed with non-monetary relief

Timely Response

2018-11-10

AZ

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Discover Bank is fraudulently reporting on my credit reports in the amount of {$2300.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Company Response: Closed with explanation

Timely Response