DISCOVER BANK

2018-10-24

Moneta, VA

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

2018-10-24

Garrett Park, MD

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

2018-10-24

Manhattan, NY

Dealing with your lender or servicer

Student loan: Private student loan

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2018-10-24

PA

Incorrect information on your report

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

Account status incorrect
Complaint: On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.
Company Response: Closed with explanation

Timely Response

2018-10-24

Black, AL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-10-24

Brooklyn, NY

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on XX/XX/2017. I am not sure how this has happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2018-10-24

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: INACCURATE INFORMATION SHOWING UP
Company Response: Closed with explanation

Timely Response

2018-10-24

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: INACCURATE INFORMATION SHOWING UP
Company Response: Closed with explanation

Timely Response

2018-10-24

Ft Myers, FL

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Complaint: Discover Debit cards Checking account They are unable to open a checking account for a military family Due to wrong information reporting on my credit report
Company Response: Closed with explanation

Timely Response

2018-10-24

Sherman Oaks, CA

Closing an account

Checking or savings account: Savings account

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-10-23

Phila, PA

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

2018-10-23

Cherry Brook, MA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I had an outstanding loan of around {$17000.00} from discover at 9.25 % interest rate. To reduce the rate I decided to go to XXXX who offered me an interest rate of 4.9 %. From XXXX, I requested for a greater amount than required because I was assured that the extra amount would be reimbursed directly by discover to XXXX and the interest adjusted accordingly. So XXXX disbursed my loan ( around {$19000.00} ). My balance amount in discover was then - {$2200.00} ( Minus XXXX USD ). At this point discover was supposed to mail XXXX a check of {$2200.00} so that the amount would be adjusted in my loan amount. However discover has never mailed this check to XX/XX/XXXX! They showed an updated balance of {$0.00} on XX/XX/2019. Neither I nor XXXX has received this check. I called them and they insisted they had mailed a check. But could not produce any proof. They claim the process to check for any error takes 7-10 days. They have not since gotten back to me.
Company Response: Closed with explanation

Timely Response

2018-10-23

Barrington, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-10-23

Lithia Spgs, GA

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

2018-10-22

Point Arena Air Force Statio, CA

Other features, terms, or problems

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

Add-on products and services
Complaint: I just recently uncovered a payment protection plan with my long held Discover card. I found out through an article outlining all the trouble the Discover card had with this plan. People were signed up without their permission. Like us. My wife and I never signed up for this added plan. On the phone with the Discover card people, they would not provide evidence that either of us did. I specifically asked for them to send me proof that we signed up. The first person said that they did not have that proof and the subsequent supervisor said they could not because of policy. We were covered with a similar plan through work and would not duplicate it with the Discover card. They would cancel the plan and refund six months worth of payments. This has been going on for 15 years.
Company Response: Closed with explanation

Timely Response

2018-10-22

Birmingham, AL

Incorrect information on your report

Student loan: Private student loan

Account information incorrect
Complaint: Prior Case No. XXXX was back in XX/XX/XXXX and I got a response within 60 days after Discover needed additional time to investigate. The claim was proven to be valid and I do not agree due to reporting financial hardship prior to an agent at Discover! Discover indicated several calls were made in an attempt to give me payment options to bring the loan current. I agree I did not answer every call they made because I had already advised the agency of my financial hardship and I thought it was notated per their recordings saying that calls are monitored for quality service, as well as I told the agent before this lapse in payments had ever occurred. I have been given so much misinformation from Discover and their employee as well as managers. I have been told that the debt is valid and even if I notified them I should have made a payment, which I could have not at that time. I have been on calls as of last year XX/XX/XXXX, which I have proof of due I recorded the conversation that I had with agent. The agent told me that after the first 3 months of forbearance that I took in XX/XX/XXXX-XX/XX/XXXX no forbearance was ever offered again per their notes and records since then until charge-off in XX/XX/XXXX. Since then I made several calls and and kinda gave up for a while. I received correspondence that shows XXXX XXXX Who was my Servicer for this loan was now sending all loans to discover and that they will no longer house loans or payment information for Discover private loans. At that point I decided to call in as of XX/XX/XXXX which I spoke to an agent name XXXX. XXXX reviewed my account with a manager and they came up with a conclusion that my account was charged off erroneously and that they were submitting a ticket to get this removed off my credit and it would take about 2 weeks. After two weeks went by I called again to check the status and spoke with XXXX on XX/XX/XXXXand he stated he saw the reversal trying to be made I just needed to continue to wait a while longer due to the new system it was not allowing Discover to reverse the discharge off my credit within normal timeframes. Now lets refresh I only called in to check on this loan on XX/XX/XXXX due to XXXX and her manager on that call told me it was an error and that all of this was incorrect they were unsure how it happen. Back to the facts, I was kinda weary I hadnt heard anything so I called back on XX/XX/XXXX and spoke with an agent named XXXX which she stated she saw the ticket but no changes had been made and she was going to escalate it up to her manager XXXX. They told me to continue to wait for it is taking a while, so I did. On XX/XX/XXXX I called and spoke with an agent named XXXX and she alleged she didnt see anything on my file as for as a reversal of the charge off. I was furious for I would have not been waiting if the agent XXXX and her manager would have not said it was incorrect from the beginning. At this point I was livid. She said she would investigate the issue and to call back in two weeks. I said sure. On XX/XX/XXXX I called Discover to check the status at this time the agent advised me that due to the time of the Call that the department that needs to look at my case was not available and to call back tomorrow Around XXXX mountain time. I said okay fine. A few days later I got a call saying sorry for the wait and misinformation but the charge off is correct and will stay on your account. I was livid but I was mentally tired of the back and forth. That was in XX/XX/XXXX. Now let me remind you my loan charged off on XX/XX/XXXX. Why would I receive a letter dated XX/XX/XXXX saying my loan is now in default and that this same account is now being charged off as of XX/XX/XXXX with a new Balnce due to accrued interest. This is not possible. No way! So I called in as soon as I got the letter and this is now on my credit report as of XX/XX/XXXX like its brand new that Discover has now reported new missed payment information for a year and a half as well as the new balance. My credit score has went down from a XXXX to a XXXX from the first charge off and now just with that update it has went down to a XXXX score because of false reporting of this new information/ balance. I have open disputes and filed several complaintswith all agencies possible before and now Im having to due this again for this is definitely a violation of the fcra.
Company Response: Closed with explanation

Timely Response

2018-10-22

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: My identity was stolen after the XXXX Data Breach in XXXX. I discovered this in XX/XX/XXXX when XXXX separate accounts were opened with XXXX, Discover, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XXXX that is a result of identity theft. XXXX is refusing to remove the ID Theft account from Discover, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX report where I could not qualify to even be a member because I have never worked for the federal government
Company Response: Closed with non-monetary relief

Timely Response

2018-10-22

MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with Discover. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of Discover from XXXX and XXXX, XXXX ( XXXX Box XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). Apparently, they never closed, updated or notified Discover or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from XXXX and XXXX regarding the same debt from Discover, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XX/XX/XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed Discover ( XXXX and XXXX ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from Discover ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to XXXX XXXX and XXXX XXXX ... '' ( see attached ). Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
Company Response: Closed with explanation

Timely Response

2018-10-22

Olympia, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Greetings & Salutations, Have a issue with Discover Card credit card. The account was sent to collections after receiving a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX & sent out a debt validation letter on XX/XX/XXXX & received a singed Return Receipt on XX/XX/XXXX from XXXX XXXX XXXX. Discover Bank, the creditor of your account, has assigned the above referenced account to XXXX XXXX XXXX XXXX for collection. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the a judgement and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name & address of the original creditor. If different from the current creditor. I sent a letter of response to XXXX XXXX XXXX XXXX on XX/XX/XXXX & haven't received a response. The tracking number along with a signed copy of the certificate of Return Receipt verifies a received response of the debt validation letter on XX/XX/XXXX. Still awaiting response as of XX/XX/XXXX. Discover Card sent a letter as well on XX/XX/XXXX. Thank you for recent correspondence. We previously communicated to you the result of the our investigation. Unless you have new documentation to substantiate your claim, the account & balance will remain valid. In order to maintain the integrity of the Credit Reporting Agencies we are required to report accurate information & are unable to modify your credit bureau report. We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. If you have further questions, please contact our office at XXXX between the hours of XXXX - XXXX ET Monday through Friday. I sent out a debt Validation letter on XX/XX/XXXX to Discover Card. Still awaiting response. As you can see the Discover letter is dated on XX/XX/XXXX & the Certified Return Receipt is dated XX/XX/XXXX which is attempted fraud to communicate a wrong date as seen in the file picture. They received my response letter as the Signed Return Receipt indicates. Still awaiting 2nd response from Discover Card as of XX/XX/XXXX. Discover Card won't take the {$10000.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... All they do is file a consumer dispute which drops my credit score & once the dispute is over in Discover Cards Favor, my credit report score goes back up. That is all Discover card does, they can never verify the debt & haven't produced a signed contract which means this is still a unsecure debt. Still awaiting there 2nd response letter as of XXXX. I called Discover for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. As a result, the statue of limitations on unsecured debt is 6 years in Washington state & has to come off my report. Sincerely, UCC 1-308 Without Prejudice XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-22

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 explanation

Timely Response

2018-10-22

Brick, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-10-22

Ridley Park, PA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-21

Hinkley, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. XXXX is refusing to remove a fraud account from Discover credit card. XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. XXXX will not follow the FCRA and remove and block the item with a police report. I then did a credit freeze on my XXXX account. XXXX responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. I proceeded to try to cancel my XXXX account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Company Response: Closed with explanation

Timely Response

2018-10-21

Old Westfield, NY

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

2018-10-21

Arco, 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: Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.
Company Response: Closed with explanation

Timely Response