DISCOVER BANK

2018-10-16

Getting the loan

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

Company Response: Closed with explanation

Timely Response

2018-10-16

Flushing, 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
Company Response: Closed with explanation

Timely Response

2018-10-16

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

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-10-16

TX

Fees or interest

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

Problem with fees
Complaint: Started in XXXX, tried to make a payment they had it preset to pay the full amount. So i had to cancel with bank. It made me late in which i called monday to make an immediate payment. I paid it then the following month it showed a late charge, i chatted with someon who said they would fix it, however the following month i had another charge. I then spoke with discover executives who had me speak to a young man in which i had the email showing my bill from discover was only XXXX He would never respond and noone called me back. I then made a complaint with XXXX 2 times, i have since paid another XXXX only to be told i have another late fee. I tried calling XXXX XXXX but she NEVER returns my calls. But they keep sending me late fees.
Company Response: Closed with monetary relief

Timely Response

2018-10-15

Fresno, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.
Company Response: Closed with explanation

Timely Response

2018-10-15

Charlotte, NC

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

2018-10-15

Bronx, NY

Closing your account

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

Company closed your account
Complaint: Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.
Company Response: Closed with explanation

Timely Response

2018-10-15

Bogota, NJ

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

2018-10-15

Cleveland, 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 explanation

Timely Response

2018-10-15

Tomball, TX

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

2018-10-15

Ehrhardt, SC

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

2018-10-15

Baltimore, MD

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

2018-10-15

Charlotte, NC

Incorrect information on your report

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

Account status incorrect
Complaint: I am on a payment plan. I contacted DISCOVER last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Company Response: Closed with explanation

Timely Response

2018-10-15

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-10-15

Pahokee, FL

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

2018-10-14

CA

Opening an account

Checking or savings account: Savings account

Unable to open an account
Complaint: On XX/XX/XXXX I tried to open a savings account with Discover Bank over the phone and they asked for pictures of my drivers license. On XX/XX/XXXX I called back and they asked for more documents. They refused to open the account, accused me of fraud and impersonating myself and then cancelled my application because I'm XXXX and they didn't think my voice matched my XXXX XXXX, which is reflected on my drivers license as female.
Company Response: Closed with explanation

Timely Response

2018-10-14

San Gabriel, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Our first mortgage is privately held. It is recorded properly, all documents on file in the public record. We receive a XXXX, and have proof of all payments. We applied for a home equity loan with XXXX XXXX XXXX XXXX and was denied - " Ineligible first lien financing ''. When I asked what the issue was - I was told that they don't lend behind a private mortgage. I do not believe a lender can discriminate based on who holds our first loan if we can show all of the same documentation that could be found on a bank issued loan. Also - the definition of " private '' loan does not appear in any lending laws I see - what is a bank vs private? The term is vague and I do not think we can be denied if our loan is paid just as a bank issued loan is.
Company Response: Closed with explanation

Timely Response

2018-10-13

Mdn, MS

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
Company Response: Closed with explanation

Timely Response

2018-10-13

Austin, TX

Other features, terms, or problems

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

Other problem
Company Response: Closed with monetary relief

Timely Response

2018-10-12

Arco, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
Company Response: Closed with explanation

Timely Response

2018-10-12

Seneca, SC

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: I graduated from XXXX XXXX XXXX University in XX/XX/2017 and entered repayment of my loans in XX/XX/2017. One loan, which was three loans in one, had a minimum payment of {$160.00} and the other loan, which was also three loans in one, had a minimum payment of upwards of {$600.00}. These payments were separate and thus due at different times of the month.The payments started out way higher than I knew I would be able to pay, due to my income ; so I applied for consolidation and was denied and tried again after 30 days and was denied again. The first time I applied for consolidation, I was told the reason why I was denied and they couldn't consolidate my loans was because I had different cosigners and they weren't allowed to do that. The second time I was told I was denied because they had acquired one of my loans from another company and they could not consolidate them. Both times I received a denial letter in the mail that was supposed to tell me why I was denied but the letters failed to do so and instead only stated that I was denied with no clear reason as to why. Looking back now, my account says that I was denied based off of my credit score, which was never relayed to me. Once I realized that consolidation would not work and I kept receiving hits to my credit only to be denied, my next course of action was making consistent payments only on the loan that I could afford, but this did nothing for the loan that I couldn't afford to pay, sending it into delinquency. In the meantime, I kept getting calls from Discover threatening to ruin my credit for not being able to make the payments and they also called my cosigner ( my XXXX year old grandmother who is no longer working or able to make payments on my behalf ) threatening the same to her if she didn't pitch in to pay for my loans. I called consistently trying to figure out what I could do and what repayment assistance programs they provided for which I could possibly qualify. The next course of action was to apply for deferment. I was approved for this but it only served as a remedy for one month on one of my loans and two months on my other loan. Once I came out of deferment, this seemed to double my minimum balance instead of adding time to the length of my loan, as discussed when I was approved for deferment. Following this I was even worse off and for sure more unable to make the minimum payment than I was previously. After this, I attempted to get approved for the hardship repayment program since I met the qualifications of being less than 60 days delinquent and I knew beyond a shadow of a doubt that I could prove my hardship with medical records, check stubs, and whatever other documents that Discover may have requested. I was asked about my monthly income and rent payment to determine if I would prequalify/be eligible for the program. After I passed that step I was emailed the application and I filled out and submitted with the required check stubs the same day, only to be denied because my income to debt ratio was less than 60 % which disqualified me. The only debt that was considered was my monthly rent ( though I have an abundance of federal student loans as well, a great portion of my check goes to a healthcare plan for my twin newborns, one of which has a neural tube defect, among other debt that I pay monthly ) and my income was considered with no regard to family size or the fact that I am the only source of income for my four member household which puts us a great deal under the median income for our location and family size. Additionally, if the only factors considered were my monthly income and rent payments, why was I not disqualified during the pre-qualification/eligibility stage while I was still on the phone? This could have saved me the time and hope that I put into filling out the application for no reason. I say all of this to say that Discover has undoubtedly given us the run around with trying to give me options to make it possible to make payments on my student loan debt, all while ruining my credit in the process and making it hard for me to consolidate my loan with another company. I have been consistently in touch with Discover ever since I entered repayment in XX/XX/2017 until now trying to find a solution to be able to make consistent payments on my debt. I know for sure that my hardship was not investigated at all and that the documents I provided with my application were not looked at, as I called after receiving the denial letter only to be told that the information was run through a computer system and there wasn't a real person looking at the information or considering these approvals case by case. Discover 's action have been predatory at BEST and I am seeing an investigation into my situation to make way towards some sort of resolution.
Company Response: Closed with explanation

Timely Response

2018-10-12

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief

Timely Response

2018-10-12

N Chesterfld, 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
Company Response: Closed with explanation

Timely Response

2018-10-12

CT

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: On approximately XX/XX/18 both my checking account and savings account at Discover Bank, were closed and the money was " frozen ''. The checking account had no funds in it, and was a joint account with my mother, XXXX XXXX, The savings account was in my name only, and ends in XXXX. I was told that they suspected some kind of fraud on the account and that they would be doing an investigation. They could not tell me when I would be getting my money back. There was approximately {$4300.00} in the savings account. My mother, XXXX XXXX spoke with : " XXXX '' in the Fraud Department at Discover Bank, and " XXXX '' an " investigator at the corporate office in Delaware. XXXX said that she would be conducting an investigation. She told me to send her information about where the money came from. I send her a document that showed that XXXX had transferred money into the savings account since XX/XX/2018, on a regular basis, and I sent her a letter from the Social Security Administration showing that I had received Social Security XXXX Payments into those accounts at Discover, for nearly a year. My understanding is that social security payments are not allowed to be frozen, except by the federal government.Despite telling " XXXX '' this, no movement was made to release any of the {$4300.00}. I was told that I would hear from her within 30 days, as to the disposition of the {$4300.00}. I have not heard from her as of yet, nor have I heard from anyone else at Discover Bank. I need this money in order to pay for my college tuition. I am attending XXXX CT State University presently. I am a freshman, and need this money in order to continue attending the University. I just want my money back, all {$4300.00} of it, immediately.
Company Response: Closed with non-monetary relief

Timely Response