Date Received: 2019-07-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ), because the promo time was close to expiring. To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/19, I purchased {$1100.00} in XXXX XXXX gift cards from XXXX These gift cards were used to book a flight on XX/XX/XXXX ; the email confirmation for this reservation, sent on the same day, clearly reflect the gift card numbers purchased from XXXX as the method pf payment ( s ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX received notice that the booking was returned to the cardholder and a new form of payment was needed as the ticket ( s ) status is SUSPENDED. I initiated a dispute with Discover about the transaction around XX/XX/XXXX. The case number for that dispute being XXXX. I was given a credit for the amount in dispute, but found out this was reversed on XXXX XXXX ( XX/XX/XXXX ). I was informed XXXX had provided sufficient evidence. This was a scan containing the gift card numbers they supplied me. I tried reasoning, saying why would I need to pay for the same flight if the gift cards were valid? I stated they ( Discover ) would see another transaction, this time from XXXX themselves, for the flight, as a charge. And I did have to charge the flight, the purchase occurring on Sunday, XX/XX/XXXX, at the terminal. I also uploaded this itinerary, showing the same flight number, dates, passengers, destination, etc as matching the original made on XX/XX/XXXX. I was informed by someone at Discover, perhaps XXXX on XX/XX/XXXX ( I spoke with so many people at so many different times trying to get this resolved the exact date eludes me ) that if I could get it in writing from XXXX that the gift cards were fraudulent, that would really help my cause. I submitted in writing that request to XXXX XXXX on Tuesday, XX/XX/XXXX. I did not receive a response until Monday, XX/XX/XXXX, and it was vague at best, stating the reservation had been canceled due to a dispute that was filed against the purchase. This was not sufficient for Discover. I then got it in writing, from XXXX after filing a XXXX complaint against XXXX, on XX/XX/XXXX, stating the following : " ... in reviewing our records, I found that the XXXX gift cards ( listed below ) that you mentioned acquiring from XXXX were purchased through unauthorized activity. XXXX | {$200.00} XXXX | {$200.00} XXXX | {$200.00} XXXX | {$200.00} Once this was brought to our attention, all reservations associated with the gift cards were canceled, and the money was returned to the credit cards used to purchase these cards from XXXX XXXX initially. We regret that this resulted in the cancellation of your, XXXX, and XXXX reservation. Although I was glad to see we honored the original fare, were sorry for your disappointment with having to rebook and pay for your familys reservation upon arrival to the airport. Please keep in mind that XXXX XXXX is not responsible for honoring invalid gift cards or refunding any additional funds applied to the reservation. With that in mind, the funds applied from the two additional XXXX gift cards ( listed below ) arent available for use or eligible for a refund. XXXX | {$200.00} XXXX | {$200.00} I called Discover on XX/XX/XXXX, telling them of the new information. The lady with whom I spoke, XXXX ( sp? ), stated that the case is closed, and they ( Discover ) would not take it up any further. I stated that this is new information and that my dispute center on discover.com states ( EMPHASIS MINE ) We have finished our second review of this investigation. Based on information we received from both you and the merchant, the transaction appears to be valid. We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. Please review this information and notify us immediately if you wish to continue this dispute. IF YOU HAVE NEW INFORMATION WE HAVE NOT CONSIDERED, WE WILL BE HAPPY TO CONTINUE WORKING ON YOUR BEHALF. I asked how Discover could possibly side with XXXX when they ( Discover ) have it in black and white that I was sold a bill of goods. The answer to this, and every other question I asked of them, was that the case is closed and they ( Discover ) would not take it up any further. And that I should try to resolve this with XXXX. That Discover is ( paraphrasing ) done with the matter unless they get it in writing from XXXX that a refund is owed to me. I have emailed XXXX, and have not heard back. And the odds of hearing back are ... not ideal.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX of XXXX, after hurricane Irma my house suffered some damage and Discover Bank gave 6 month forbearance program to use that money and fix the house. On XX/XX/XXXX I was contacted by XXXX XXXX to start a Lost and Mitigation Application. I submitted the first application on XXXX of XXXX. I mentioned that I was able to keep my monthly payment, but I need help to distribute the missing payment. On XXXX I started my regular monthly payment after the forbearance program finished. I pay my loan for 4 month, until XXXX payment was returned to the bank. I was paying with direct deposit, because my access to online banking was denied. Since then I have submitted more than 10 applications and more than 2 years worth of financial records. On XX/XX/XXXX I was served with foreclosure documents, my application has been completed with the lost and mitigation department as XXXX XX/XX/XXXX. No answer from the service about the results. The amount of service fee and attorney fee exceed the $ XXXX. It is very sad. I also mentioned that I have a son with XXXX and the stress that this situation has put on myself and my family has been beyond control. I am paying my first mortgage, my taxes and insurance. They know that since the beginning.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Between XX/XX/2019 and XX/XX/XXXX, I received XXXX phone calls from Discover Card 's Utah call center, with as many as XXXX phone calls on Wednesday, XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX and communicated the situation, namely that the account in question is in dispute, yet I still received over a dozen unwanted phone calls. Accordingly, I sent a Cease and Desist letter to discontinue phone contact with me.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. Thank you so much, XXXX XXXX
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX I contacted Discover to remove me as a cosigner and was given false information and false hope by rep XXXX and supervisor / manager XXXX. They told me I can be released as a cosigner if payments are made consecutively 48 times. How ever when I asked for more information I was told that this process is more detailed than it sounds. XXXX went on to say that a cosigner can only be removed it the student has good credit by qualifying as if the loan was a credit card application. This loan was originally a XXXX XXXX loan and was bought by Discover who is using there policy to make it seem as if I agreed to there terms when I never did. I want to see the original loan paperwork from XXXX XXXX to see what the policy was back then. Discover is holding me hostige to this loan and I should be released as reqested. Discover is treating this loan like a credit card and using the same method with a student loan that wasn't there to start with. I never agreed to any of there terms nor did I sign anything. No one should be forced to stay on as a cosigner especially since most companies are allowing parents to be removed.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2019 I made a purchase of three items from XXXX. On XX/XX/2019 I received a package from that merchant with the correct name and tracking number, however the contents of the package was not what I ordered. I contact the aforementioned merchant, explained the situation and was advised of the following : XXXX stated via chat that they understood I received the wrong items. They further stated thats I received the wrong package by error and that my package was still enroute. They advised to wait 2-3 business days and I should have the items I ordered, I simply received someone elses package by mistake is what they continued to advised. I proceeded to wait 2-3 business days, however the second package with the correct order never arrived. I contacted XXXX several times after that and was told they could not send a replacement order to me. I again explained that a package had arrived it just had the wrong items. I received no assistance from XXXX. I then filed a dispute with my Discover card. They stated that XXXX advised my order was shipped/delivered to me and they ruled in XXXX favor. I contacted Discover, who had incorrect details of my dispute and they re-opened my claim. Today, they ruled once again in XXXX favor. This issue is this, Im not contesting whether or not I received a package, Im disputing the charge because I did not receive what I ordered. I offered to send the incorrect item back however was told bun XXXX that it was not necessary and that my correct order will be arriving within 2-3 business days. The amount was {$290.00}.
Company Response:
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2019-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After an internal investigation, Discover Financial Services concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from Discover to XXXX and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2019-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A