DISCOVER BANK

2018-10-08

Wimauma, FL

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

2018-10-07

Arroyo Seco, NM

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.
Company Response: Closed with explanation

Timely Response

2018-10-07

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: Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.
Company Response: Closed with explanation

Timely Response

2018-10-07

Orion Twp, MI

Fraud or scam

Money transfer, virtual currency, or money service: Refund anticipation check

Complaint: We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate
Company Response: Closed with explanation

Timely Response

2018-10-06

Lewisville, 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
Complaint: Since 2014 I had been a member of XXXX XXXX an overseas bride service. Although there had been suspect acclivities I had mentioned again and again to their customer service these concerns were explained away as technical problems with the XXXX operating system. the slowness of the XXXX internet, women misunderstanding the translations, or complete denial all together. Whatever it was that I brought up there was always deflection and lame excuses involved. Only after several attempts at trying to meet one of the women members in person failing for stupid reasons like not showing up at the airport saying their father had a heart attack then why would this same person be online within the next day making auto replies to other men like, " if I was in the shower would you get me a towel? '' This a day after her father supposedly had a heart attack and when she was supposedly so anxious to meet me, make love to me, and make a life with me, while I waited at the airport and she did not appear? After several incidents like this with these women saying things to me like they were in a sweat at night unable to sleep just thinking of our fist night together then contacting that same woman on the phone who tells me she has been talking to another man? Oh and the frequent comments such as " I have XXXX XXXX to come to America with. Will you marry me? '' I knew something was awry and that the money I'd been spending was not for a legitimate dating service at all. Then I got on the internet and began reading the complaints of hundreds of other men who had the same experience and I knew I had been had! Callas to their representatives had yielded nothing but hollow promises and either no call at all at the promised future time or promises to resolve the dispute never met! I then went to another legitimate service that makes social events and actual meet ups and talked to a partner of that company who knows one of the XXXX XXXX owners who stated that his perfect business model was that neither the man or women would never meet while they drained the member 's credit card account as long as possible! I even received an e-mail from a male member of XXXX XXXX warning me of one of the women that was sending me e-mails telling me she wanted to marry me. He warned that she was a liar and if I went to XXXX I would be left waiting at the airport meeting no one! And yes this was consistent with so many of the complaints lodged by angry members of XXXX XXXX such as sites like XXXX XXXX or XXXX XXXX. I even sent these copied and pasted comments to Discover along with page after page of e-mails, letters written to me by women supposedly madly in love with me whom I had never even spoken with. Why? Because the system is designed to seduce a man into spending money but with no intention of allowing him to ever have direct contact with a real woman who actually intends to meet him, date him, or marry him, if anything they are staff writers, chat responders working for XXXX XXXX, or phone voices hired to for the bogus overseas phone calls! Discover has absolutely no concern about resolving my dilemma even with heavily submitted evidence!
Company Response: Closed with explanation

Timely Response

2018-10-05

Coconut Creek, FL

Closing your account

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

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

Timely Response

2018-10-05

Kailua, HI

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-10-04

Andover, MN

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Charged for a purchase or transfer you did not make with the card
Company Response: Closed with explanation

Timely Response

2018-10-04

Boca Raton, FL

Closing your account

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

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2018-10-04

Mineral Wells, MS

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

2018-10-04

Boca Raton, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with non-monetary relief

Timely Response

2018-10-04

New Market, AL

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

2018-10-04

Orion Twp, MI

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
Complaint: I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law
Company Response: Closed with explanation

Timely Response

2018-10-04

Conyers, GA

Problem when making payments

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

Problem during payment process
Complaint: I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-04

Bedford Park, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-10-03

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-03

FL

Closing your account

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

Company closed your account
Complaint: lied to me several times kept telling me the only way to pay my bill was through a bank account after I told them my bank wouldn't allow it and also lied to me after they took money from me and told me the only way they can give it back was through a check but replace the funds back in my account a couple of days later saying I don't owe them a balance closed out my account and said I owe them XXXX $ and that they would take XXXX to close it but I recently had sent money to them and they sent it back saying I didn't owe anything they also reported me to credit bureaus saying I was late but they never sent me bills. they also made a statement where I pay in full all negative will be removed but they lied about that.
Company Response: Closed with explanation

Timely Response

2018-10-03

Manassas, VA

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

2018-10-03

York, NE

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: It is unfortunate that consumer must file an additional complaint against Discover Card for violating consumers right to due process under the law. Consumer filed a complaint ( Case No : XXXX ) with Consumer Financial Protection Bureau ( CFPB ) on XXXX XX/XX/2018. Consumer Financial Protection Bureau ( CFPB ) sent the complaint to Discover Card at XXXX XX/XX/2018. Consumer made every conceivable effort to communicate with Discover Card prior to filing the complaint but had no positive outcome from the effort. Consumer felt it necessary to file a CFPB complaint against Discover Card for " harassing '', intimidating tactics Discover Card was using to frighten consumer. By filing a formal complaint through the portal of the CFPB, consumer was utilizing consumers right to " due process. '' However, representatives of Discover Card continue to display a blatant disregard for consumers rights and adopt a superior attitude that Discover can do whatever it wants outside the realms of the law on any level as demonstrated by sending consumer an " email ' to consumers " private domain '' email address on XX/XX/2018 at XXXX. At no time has consumer given Discover Card permission to send an email ( to a private domain ) outside the complaint " portal '' ( and perimeters ) of the CFPB. By engaging in such blatant disregard for the law, Discover Card is trying to devalue consumers right to due process of law. Consumer had no positive outcome by engaging in dialogue with Discover Card prior to filing a complaint with the CFPB, that is why consumer filed the complaint in the first place. Consumer will not forgo consumers right to due process at this juncture. Discover Card does not have the authority to resolve the matter outside the portal of the CFPB as consumers efforts to communicate prior to the complaint failed. Discover Card is taking liberty of contacting consumer through a private domain without consumers prior knowledge or consent and by doing so Discover Card representatives are engaging in unauthorized access of electronic mail which constitutes invasion of privacy and is a federal crime. At no time does consumer wish to communicate with Discover Card representatives beyond the portals of the Consumer Financial Protection Bureau ( CFPB ) or authorities. Discover Card representatives MUST stay within the perimeters of the CFPB or settle the matter in a court of law. Consumer ask that Discover Card representatives honor consumers right to peaceful enjoyment of consumers home, phone and private email domain. Consumer will not respond to any emails. Attached to this complaint is the email consumer received ( XX/XX/2018 from Discover Card representative ) in consumers private email domain without prior consent from consumer. If Discover Card continues to send emails to consumer 's private domain consumer will be forced to hire an attorney. Consumer wishes to thank the CFPB for providing this venue of mediation. It is greatly appreciated.
Company Response: Closed with explanation

Timely Response

2018-10-03

Seattle, WA

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

2018-10-03

Hoberg, MO

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

2018-10-02

Tarzana, CA

Getting a credit card

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

Application denied
Complaint: I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. XX/XX/XXXX : Received an email from Discover saying my account was closed. If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. I would like Discover to activate the card or remove the account from the credit bureaus.
Company Response: Closed with explanation

Timely Response

2018-09-30

York, NE

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This formal complaint will be tendered ( in court ) as evidence that consumer ( Discover Card account ending in XXXX ) is responding to two threatening, intimidating dunning letters sent simultaneously on XX/XX/2018 and XX/XX/2018. Both letters are in violation of a 30-day timeline ( to respond ) under the Fair Debt Collection Practices Act ; ( FDCPA ). Sending back to back dunning letters will garner no more credence than sending one letter. One can only assume the purpose for bombarding consumer with threatening letters is to harass consumer and cause unwarranted distress, as well as emotional, psychological harm. Based on a debt collection disclaimer in the footnote of each dunning letter, Discover Bank has subjectively put them selves under the umbrella of the Federal Trades Commission ( FTC ) who governs the Fair Debt Collection Practices Act ( FDCPA ) ; Sec. 805. [ 15 U.S.C. 1692c ]. Therefore Discover Bank must adhere to the perimeters of that Act. Displaying these kinds of disclaimers in the body of dunning letters bounds the company under federal law. Consumer is 90-years old. Consumer is head-of-household and has no attachable property of value. Consumer is a victim of another individuals misuse of the Discover Card. Consumer " disputes '' owing charges indicative of {$22000.00}. Consumer can prove consumers bank account has been compromised ( on several occasions ) ; and is presently under a Bank investigation. Consumer is fearful and devastated by the meaning of the dunning letters and doesnt understand Discover Banks purpose for causing undue havoc in consumers elderly life. It is important that consumer use this venue to convey a strong message that consumer has rights and protection under state and federal law. Serious ramifications will commence if those rights and protections are violated. Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter that consumer will provide if warranted. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not they do not have the authority to authorize garnishment of a federally protected account. Under XXXX Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. *Please reference : XXXX *4:07-cv-00109 vs. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX ) ; as a federal magistrate Judge ruled in favor of the consumer and sanctioned the collection law firm for unlawful garnishment of a federally protected income account in lieu of formal ( written ) notification and a blatant disregard for federal law. Please note, that garnishment of Social Security funds from a bank account after collector is on notice that the bank account only contains exempt funds can be an unfair debt collection violation with extensive ( monetary ) ramifications. It is consumer 's hope that this complaint will cease ( written and phone ) communication immediately as consumer must give consumer 's bank due process in their mission to investigate missing funds and compromise of consumer 's bank account. Consumer maintains that consumer did not make extensive charges to a Discover Credit Card ending in XXXX. Consumer would like to thank the Consumer Financial Protection Bureau ( CFPB ) for its mission and purpose in keeping consumers safe and fairly represented. It is greatly appreciated. Thank you!
Company Response: Closed with explanation

Timely Response

2018-09-30

Cheverly, MD

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.
Company Response: Closed with explanation

Timely Response

2018-09-30

Columbus, 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: I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank
Company Response: Closed with explanation

Timely Response