DISCOVER BANK

2018-10-20

Ft Myers, 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

2018-10-20

Ft Myers, FL

Credit limit changed

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Discover credit card XXXX XXXX personal loan Denial
Company Response: Closed with explanation

Timely Response

2018-10-20

Ft Myers, 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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-10-20

Bloomington, MN

Problem with a company's investigation into an existing issue

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

Their investigation did not fix an error on your report
Complaint: Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )
Company Response: Closed with explanation

Timely Response

2018-10-19

Oxford, 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
Complaint: On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Company Response: Closed with explanation

Timely Response

2018-10-19

Atl, GA

Problem when making payments

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

Problem during payment process
Complaint: Ok. I will make this the last time that I make a complaint about this matter. I called and left a message for you on today ( XX/XX/2018 ) Ms. XXXX. Didn't get a call back. I also received a from XXXX XXXX thoroughly explaining no record of an attempted payment on today, the letter is attached. It has already been confirmed that I gave you my correct account and routing number ( that is attached as well ). With that being said, If the late payments that Discover reported as late is not removed by XX/XX/2018, a lawsuit will be filed.
Company Response: Closed with explanation

Timely Response

2018-10-19

Chicago, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I have been paying back my XXXX student loans to Discover/XXXX for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.
Company Response: Closed with explanation

Timely Response

2018-10-19

Colo Spgs, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.
Company Response: Closed with explanation

Timely Response

2018-10-18

Rncho Domingz, CA

Closing your account

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

Company closed your account
Complaint: Discover ( one credit card ) and XXXX ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Company Response: Closed with explanation

Timely Response

2018-10-18

Brecksville, 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 monetary relief

Timely Response

2018-10-18

Danbury, CT

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.
Company Response: Closed with explanation

Timely Response

2018-10-18

Norwalk, CA

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 this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.
Company Response: Closed with explanation

Timely Response

2018-10-17

Windsor Castle, PA

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2018-10-17

Marlboro, MD

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

2018-10-17

New Britain, CT

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: My Discover Card has been used excessively over the past few years, especially in my husband 's business. However, he was only an authorized user, and I am the responsible party. I am now stuck with over a {$16000.00} debt I can not afford to pay. There is over {$3000.00} applied in just interest over the past two years. I can borrow money from my family in XXXX to settle this account, but all that I can borrow is {$4000.00}. I am a mother of XXXX children and its difficult to just pay my monthly bills, as my husband 's business is failing. Therefore, I am the only wage earner in the family. I respectfully request Discover Card to accept the {$4000.00} settlement amount and it will be paid within ten ( 10 ) business days.
Company Response: Closed with explanation

Timely Response

2018-10-17

Ft Myers, FL

Incorrect information on your report

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

Account status incorrect
Complaint: I apply for a Discover personal loan And they denied me base on my credit report To high balance When all of my students loans are discharged plus some of the negative reporting accounts are pay off and they are to to old to be on my credit report I will like to be considered for a personal loan from discover bank Please remove all old account and update my report
Company Response: Closed with explanation

Timely Response

2018-10-17

East Rockaway, NY

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: never applied with this company. they say they have an application from me but this has to be fraud because i never put one in. Discover Bank Inquiry from XX/XX/2016
Company Response: Closed with explanation

Timely Response

2018-10-17

Vero Beach, FL

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-10-17

West Chester, PA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with monetary relief

Timely Response

2018-10-16

Old Westfield, NY

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-10-16

Torrance, 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: The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. Again I request that the late payment history of this account be deleted as soon as possible. Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Company Response: Closed with explanation

Timely Response

2018-10-16

Doral, FL

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

2018-10-16

Lafayette Hl, PA

Fees or interest

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

Charged too much interest
Complaint: In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.
Company Response: Closed with explanation

Timely Response

2018-10-16

Fort Worth, TX

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

2018-10-16

Shirleysburg, PA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I refinanced the loans that I had with Discover Student Loans through a new finance company. The loans were scheduled to be paid off right around the same time that my payment was due. I contacted Discover on XX/XX/XXXX @ XXXX EST to inquire if I should make a payment if the payoff was not completed by my due date. I was advised that I should not make a payment because they would have to issue a credit. On XX/XX/XXXX I contacted Discover Student Loans again because the payoffs had not been updated on their system. My refinance company had advised that the payoffs were sent on XX/XX/XXXX. During this call I was immediately advised that I needed to arrange to make a payment. I explained my previous call and inquired if the account was noted with this information to which I was advised that it was not. I was advised that they would make a notation of what I was previously advised. On XX/XX/XXXX I accessed my account online and found that payments had posted but not fully paid off. The amount that I refinanced equaled the total amount owed to Discover Student Loans. I contacted Discover on XX/XX/XXXX @ XXXX EST and was advised that some payments may not have posted as of yet but at this point I was missing {$57000.00} out of a total amount of {$110000.00}. This representative generously went into each loan and provided me the amount of funds that posted from each check. My refinance company sent 5 checks, 1 for each loan but Discover took funds from each check and applied it to each loan. The check # s XXXX {$20000.00}, XXXX {$12000.00}, XXXX {$27000.00}, XXXX {$27000.00}, and XXXX {$26000.00}. Out of all of these funds only {$58000.00} was posted towards my loans. XX/XX/XXXX I contacted Discover again because my account was still in the same status, at this time I advised that this needed to be escalated because my finance company had verified that the checks had cleared on XX/XX/XXXX. I had a conference call with my finance company and Discover in order to have them escalate this situation. I received 2 phone calls back from Discover stating that they needed the check numbers from my finance company in order to submit an escalation. My finance company sent Discover confirmation of payment as well as copies of the cleared checks. This information was electronically sent on XX/XX/XXXX. On XX/XX/XXXX my account was still in the status of owing {$58000.00} now due to interest. My Co-Signor and myself scheduled the day off work in order to attempt to get this resolved. I phoned Discover Student Loans at XXXX EST on XX/XX/XXXX. I requested to speak with a Supervisor- XXXX- who advised that it could take another 5 days until the escalation was reviewed and funds processed. I requested to speak with his supervisor as this was unacceptable. These funds were processed by Discover Student Loans on XX/XX/XXXX and as of XX/XX/XXXX my account was not showing a paid in full status. XXXX supervisor was to contact me back between XXXX EST. I received no call to which I contacted them again at XXXX. This time I spoke with a XXXX who stated that funds were being processed as we were speaking. He stated that the supervisor XXXX was still not available. I requested that XXXX contact me back within the next hour, to which I still did not receive a call. I contacted Discover yet again at XXXX, held for while and was then connected with XXXX XXXX At this time funds had been posted to my loans but I still had a balance of {$7000.00} that I still owed. I was assured that this would be resolved by Monday XX/XX/XXXX. I provided XXXX with the horrific details of my many experiences with his customer care representatives and how I had to demand an escalation, provide them with the proof that they received full payments in order to get resolution. I also advised that when the payoff amounts were provided to my refinance company, I had made an additional payment to Discover before the payoffs were completed and that I should have a possible credit owed back to my finance company. He inquired if I had an amount of a credit that I should have. I advised that I did not ... Their system should be able to determine that. He then stated that he would contact me on XX/XX/XXXX and that he would be able to provide me with a $ amount that he could deposit into my bank account for my inconvenience. I continue to advise Discover that they could contact me between XXXX EST to which they continued to contact me 2 hours later because they are located in Mountain time. The 1st call I received from XXXX on XX/XX/XXXX was at XXXX. He left me a message to contact him back. The 2nd phone call was at XXXX from a XXXX stating that all payments were posted and that he wanted me to authorize for them to deposit {$200.00} into my bank account as restitution. I stated that I did not feel comfortable accepting this payment as I did not feel this issue was resolved. I requested to receive records of how the interest was accrued on my accounts and wanted these documents sent to me. I was advised that they would be mailed. I have yet to receive this information. I also requested to understand how this error occurred with my funds and the explanation that I was provided was that the checks did not have account numbers on them so they did not know where to put this money. This company had record of the exact check numbers that were sent but they did not post the entire amounts of these checks. This is fraud! I need verification that the credit amount of {$400.00} listed on my account is true and accurate and not just a bogus amount. I would not authorize for them to deposit funds into my account as they wanted me to listen to a disclosure of the terms of this restitution. Through my research of my account I have found that my original loans with Discover, the 1st 3 years were all at a variable rate. I am not sure how this happened as myself nor my co-signor would have ever agreed to sign for a loan with a variable rate. I have located copies of the original promissory note that does not disclose an amount, rate or that I am agreeing to a variable rate. I again contacted Discover on XX/XX/XXXX requesting that they send me documentation showing what options I chose when I submitted the application electronically back in XXXX. I was advised at that time that they do not have this information and that the promissory note contains all this information. This representative actually uttered a subtle laugh under her breath at me when I advised that I have a copy of this promissory note that does not contain any of that information. I am to be receiving a copy of the promissory note that they have on hand which I am sure is an exact copy of the document I have.
Company Response: Closed with explanation

Timely Response